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Florida Workers' Compensation Requirements
At a glance
The details
Non-construction: 4+ employees (officers/LLC members count). Construction: 1+ employees, up to 3 exempt officers.
If a claim happens: benefit amounts in Florida
1/1/2026: max $1,358 / min $20 (official CFO Maximum Compensation Rate Table, statute 440.12(2)). 2025: $1,295; 2024: $1,260 Medical: No dollar cap — reasonable and necessary care for the injury. Death: Dependents capped at max comp rate ($1,358); burial allowance separate (see DFS). Rate cycle: adjusts 01/01 each year. All states' benefit rates →
FAQ
Do I need workers' compensation in Florida?
Yes — once you regularly employ 4 or more employees (full or part-time), Florida requires workers' compensation coverage.
What about construction businesses in Florida?
Construction has a stricter threshold: coverage is required from 1 employee(s), versus 4 for general businesses.
What if I don't carry required coverage in Florida?
Penalties vary by state and can include per-employee per-day fines, stop-work orders, and personal liability for injury claims. Check the official source below for Florida's current enforcement posture.
Official source: FL DFS - Division of Workers' Compensation · Verified 2026-09-08 (official) · Compare all states · Construction rules · Farm rules