Florida has specific workers comp requirements that differ from many other states — particularly for the construction industry. If you do business in Florida, here’s what you need to know.
Florida Workers Comp Requirements by Industry
Florida workers comp requirements vary by industry. In the construction industry, coverage is required if you have one or more employees, including the business owner. In non-construction industries, coverage is required once you have four or more employees. Agricultural employers must cover six or more regular employees or 12 or more seasonal workers.
Construction Is Different in Florida
Florida takes construction workers comp enforcement seriously. Even sole proprietors in construction must either carry coverage or file for an exemption. Florida exemptions for construction are limited — typically to officers of a corporation who own at least 10% of the company. Sub-subcontractors working without coverage create liability risk for the general contractor above them.
Florida Workers Comp Rates
Florida has a competitive private insurance market for workers comp. Rates are based on class codes, payroll, and experience mod — the same formula used nationally. Florida construction rates can be among the higher-cost in the country due to the volume of construction activity and injury exposure.
Get a Florida Workers Comp Quote
Comp Matters Inc. writes workers comp policies for Florida businesses across all industries. Call (631) 248-2500 for a free quote or fill out our online form — we’ll compare rates from multiple carriers and get you the best price.
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