Workers’ Compensation Laws in Florida
If a non-construction company has 4 or more employees,part/full-time, the employers MUST buy a Florida Work Comp Policy.
A excluded corporate officer or LLC Member is not considered an employee.
Florida Sole Props & Partners are auto-excluded from a work comp policy, but he/she can still be incuded on the policy if he/she submits an Election of Coverage with the Florida Division of Workers Comp.
Construction company with three Corporate Officers or less may be excluded from coverage. Each Officer must have at least 10% ownership.
Florida Construction Sole Proprietors and Partnerships are not allowed to be excluded from workers comp insurance in Florida.
Additional information regarding Florida Workers Compensation Rules