# Florida — Workers' compensation insurance requirements by US state: employee thresholds, who counts, and industry exceptions

For Florida, employee threshold is mandatory for most employers; four or more employees for non-construction; one or more for construction; six regular or twelve seasonal for agriculture; who counts toward the threshold is including business owners who are corporate officers or Limited Liability Company (LLC) members; industry-specific rules is Construction Industry: one or more employees. Agricultural Industry: six regular employees or twelve seasonal workers; issuing authority is Florida Department of Financial Services, Division of Workers' Compensation, recorded from its source on 2026-08-12.

- **State:** Florida _(our reading, not quoted from the source)_
- **Employee threshold:** mandatory for most employers; four or more employees for non-construction; one or more for construction; six regular or twelve seasonal for agriculture
- **Who counts toward the threshold:** including business owners who are corporate officers or Limited Liability Company (LLC) members
- **Industry-specific rules:** Construction Industry: one or more employees. Agricultural Industry: six regular employees or twelve seasonal workers.
- **Issuing authority:** Florida Department of Financial Services, Division of Workers' Compensation

## What the source says

> Workers' Compensation insurance is mandatory for most employers in Florida. Employers should have knowledge of the workers' compensation coverage requirements to ensure that they are complying with the law. Failure to have workers' compensation insurance puts employees at risk and subjects employers to penalties.

## Source

- https://www.myfloridacfo.com/division/wc/employer/default.htm

Last verified: 2026-08-12. Review by: 2027-02-08.
Part of [Workers' compensation insurance requirements by US state: employee thresholds, who counts, and industry exceptions](https://referencesource.org/workers-comp-coverage-thresholds-by-state/).