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· you are in an industry, other than construction, and have four (4) or more employees, full or part time.  An exempted corporate officer does not count as an employee.

· you are in the construction industry and have one (1) or more employees including yourself. An exempted corporate officer or member of a limited liability company does not count as an employee.

· you are a state or local government.

· you are a farmer, and have more than five (5) regular employees and/or twelve (12) or more other workers for seasonal or agricultural labor lasting thirty (30) days or more.


Per section 440.02(17), Florida Statutes

In Florida, your are required to carry workers compensation insurance if:

If you’re still not sure whether or not you have enough insurance…

                   Please contact our office and speak with any of our agents.  They will be more than happy to assist you and answer any of your questions.