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Florida workers' compensation insurance: Your guide to requirements and getting a policy
If you’re a Florida employer looking to protect both your business and your team, you’re in the right place. At Beyond, we provide the essential information you need to understand how workers’ compensation works and how to stay compliant.
Workers’ compensation is a key protection for both employers and employees. It helps cover medical bills, lost wages, and rehabilitation costs if a worker gets injured or becomes ill due to job-related duties. At the same time, it protects employers from most lawsuits stemming from workplace accidents or illnesses.
Yes – in most cases. Employers with 1 to 4 or more employees performing work in Florida are generally required to carry workers’ compensation insurance. However, the specific rules vary depending on your industry, business structure, and number of employees.
All construction companies – even those with a single employee – must provide workers’ compensation for every worker, including subcontractors. Some corporate officers may file for an exemption if they each own at least 10% of the company, with a limit of three exemptions per business. Importantly, contractors must ensure that any subcontractors also have valid coverage for their teams.
Agricultural businesses must provide coverage if they employ six or more regular workers or 12+ seasonal workers for more than 30 days (but no more than 45 total days per calendar year).
Certain business types and individuals may qualify for exemptions. For example, sole proprietors and partners can opt out by filing a certificate of election to be exempt from coverage.
Employers have a few different options for securing coverage:
Purchase from a licensed workers’ compensation insurance carrier
Partner with a Professional Employer Organization (PEO) that handles coverage on your behalf
Qualify for self-insurance (individually or as a commercial group)
While traditional policies are paid upfront, many employers now prefer pay-as-you-go plans that integrate with payroll. These plans automatically adjust premiums as your workforce changes – something that Beyond can help you set up seamlessly through integrated payroll services.
Failing to maintain a valid workers’ compensation policy can lead to serious consequences:
The state may issue a stop-work order, halting all operations until your business is in compliance and all penalties are paid.
Violating a stop-work order could result in fines of $1,000 per day.
The state may charge a penalty equal to twice the estimated premium that should’ve been paid over the past two years.
Also note: Florida law requires that employers pay the full cost of workers’ compensation — employees cannot be charged for any portion.
Employees should notify their employer immediately after a work-related incident. Under Florida Statutes Section 440.185, most injuries must be reported within 30 days of the event.
For additional details, check out the following:
Workers’ compensation isn’t just a legal requirement — it’s a smart way to protect your business and your team. With the right coverage in place, employees feel secure, and business owners avoid costly litigation. If you have questions or need help getting started, Beyond is here to support you.
