Small-business cover in Florida.
In Florida, workers’ comp is required at Construction: required at 1+ employees; non-construction: required at 4+ employees[S]Florida workers' compensation threshold. Florida applies a stricter workers' comp threshold to the construction industry (one or more employees, including business owners who are corporate officers or LLC members) than to non-construction businesses (four or more employees). Many construction trades require state licensure and bonding. Regulated by the Florida Division of Workers' Compensation (Dept. of Financial Services).
Updated 2026-05-16 · Beaconcover editorialWhat Florida requires.
Construction: required at 1+ employees; non-construction: required at 4+ employees[C]Florida workers' compensation threshold
Florida applies a stricter workers' comp threshold to the construction industry (one or more employees, including business owners who are corporate officers or LLC members) than to non-construction businesses (four or more employees). Many construction trades require state licensure and bonding. Regulated by the Florida Division of Workers' Compensation (Dept. of Financial Services).
State licensing notes.
- Construction trades hit the workers' comp requirement at the first employee
- State-certified vs registered contractor licensing affects scope of work