Understanding Requirements for Workers Compensation in Florida

If you’re the owner or manager of a small business in Florida, workers compensation insurance is something you’ll have to consider. What are the requirements, and where does your business fit into the picture? The good news is at ACI, we have over a decade of experience in this field, and we know exactly what you need to keep yourself and your employees fully protected.

So which businesses need workers compensation insurance in Florida? There are two main considerations here—which industry you’re in, and then how many employees you have.

The baseline standard is that all businesses in Florida must have workers comp when they have four or more employees. An employee here includes either full-time or part-time, so that designation doesn’t make a difference.

However, there are a couple of important differences and they happen to apply to two of the main industries within the state. First is for construction businesses. All construction businesses must have workers comp insurance, regardless of how many employees they have. There is no minimum employee count that applies here, it’s mandatory for everyone in the field. It’s also important to note that any sub-contractors you use must also have proof of workers compensation insurance, or otherwise they’ll be included as a part of yours.

The next key exclusion is for the agricultural industry. Here, businesses with six or more regular employees must have workers comp. There’s a second piece to the puzzle to consider as well—if instead of six regular employees, you have 12 or more seasonal employees who are hired for a minimum of 30 days, then you must also carry workers compensation.

We also know that everyone’s particular circumstances are different, which is why we can always ensure that you’re covered, even if you’ve had problems securing Florida workers compensation in the past. We can also walk you through the issues of potential high workers comp mod rates and how you may be able to improve yours. Rest assured that whatever it is you’re going through in this field, we can help, and that we’ll handle all of the hassle and legwork along the way as well.

Whether you’re ready to take action today or you still have some lingering questions, feel free to get in touch with our team. Call the office at 407.272.1976 and we’ll be happy to help, including with a free, no obligation quote on your small business Florida workers compensation insurance.