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 editorialThe short answer: Business insurance in Florida starts with workers' compensation, required at Construction: required at 1+ employees; non-construction: required at 4+ employees, plus the general liability that most clients and licenses ask for before you can take a job.
What does Florida require?
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).
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