Small-business cover in Florida.
Workers’ comp threshold in Florida: Construction: required at 1+ employees; non-construction: required at 4+ employees[S].
Updated 2026-05-16 · Beaconcover editorialThe short answer: In Florida, construction employers need workers' compensation from the first employee and other employers from the fourth. Most clients and licenses also ask for general liability before you can take a job.
What does Florida require?
Construction: required at 1+ employees; non-construction: required at 4+ employees[C]
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).
What licensing and bonding does Florida require?
- Construction trades hit the workers' comp requirement at the first employee
- State-certified vs registered contractor licensing affects scope of work