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Workers’ Compensation Insurance in Florida

Florida uses different workers’ compensation thresholds by industry: one or more employees in construction, four in non-construction, and six regular employees or specified seasonal employment in agriculture. Construction contractors also must require proof of subcontractor coverage, and an uninsured subcontractor’s workers can become the contractor’s responsibility. 1,2,3

What Is Workers’ Compensation?

Workers’ compensation can pay medical care and part of an employee’s lost wages after a work-related injury or illness. If you have staff, check who is covered in each state; owners, contractors and some workers may be treated differently. Read the national Workers’ compensation guide.

Florida Requirements

RequirementDetails
Employee threshold by industryConstruction: 1 or more; non-construction: 4 or more; agriculture: 6 regular or 12 seasonal workers meeting the statutory work-period test 1

What to Watch for in Florida

  • Classify the Industry Before Counting Workers

    Florida’s Department of Financial Services sets different thresholds: one or more in construction, four in non-construction, and six regular agricultural workers or twelve seasonal workers who exceed the stated seasonal or annual days. A trade’s industry classification changes whether the first hire triggers coverage. 1,2

  • Owner Treatment Changes by Industry and Entity

    Corporate officers and LLC members count in construction and non-construction thresholds, while non-construction sole proprietors and partners are not employees unless they elect inclusion and file DWC-251. Florida’s statute includes construction sole proprietors and partners as employees, so give the broker your entity type and actual trade. 1,2

  • Construction Contractors Must Collect Subcontractor Proof

    Florida law requires a contractor to require evidence of workers’ compensation from a subcontractor. If a subcontractor has not secured coverage, the contractor can be liable for compensation to workers on the contract; collect and verify proof before the project begins. 3

  • An Out-of-State Policy Must Address Florida Work

    Florida says out-of-state employers must notify the carrier; absent qualifying temporary reciprocity, they need a Florida policy or endorsement with Florida listed in Section 3A. Ask the carrier to confirm the listing before staff travel or perform regular work in Florida. 1,3

Who Regulates Insurance in Florida

Florida Office of Insurance Regulation

The Florida Office of Insurance Regulation licenses and regulates insurance companies and reviews rates and forms. The Department of Financial Services separately licenses insurance agents and handles consumer insurance complaints; its resource page links to both state license searches. 4,5,6

Surplus-lines tax and stamping office

Reported tax rate: 4.94% of gross premium plus a 0.03% FSLSO service fee for policies effective July 1, 2026 or later When Florida is the insured’s home state, Florida taxes the entire gross premium at 4.94%; the premium definition includes policy and similar insurance charges. The separate FSLSO service fee is 0.03% for policies effective July 1, 2026 or later. Surplus-lines policies do not receive Florida Insurance Guaranty Association protection. 7,8,9

Florida Surplus Lines Service Office

Providers With Documented State Licenses

These providers publish a national listing for Workers’ compensation; the state records document licenses for the entities and roles shown below. Some records rely on company-reported information rather than independent regulator verification. A national listing does not confirm the product is available in Florida. Check the regulator’s license lookup and confirm state availability for your business when requesting a quote.

  • CorgiCorgi Insurance Services, Inc.Insurance producer · checked 2026-09-28Corgi’s company producer-license table lists 50 jurisdictions: 49 states and the District of Columbia, including DC license 3003091619. New Mexico does not appear in the table and is not included here; the omission does not establish that Corgi is unlicensed there. The company-reported table has no stated as-of date and does not establish product availability. 12
  • ERGO NEXT InsuranceNext First Insurance Agency, Inc.Insurance producer · checked 2026-09-28ERGO NEXT’s current license table lists Next First Insurance Agency, Inc. in 50 jurisdictions, including Washington, DC; New York is excluded because its table rows name Next Insurance Services and AP Intego, not Next First. The table is company-reported; it does not establish product availability or provide state-regulator verification for each entry. 14
  • HiscoxHiscox Insurance Company Inc.Insurer · checked 2026-09-28Hiscox’s U.S. company information states that Hiscox Insurance Company Inc. is licensed in all 50 states and the District of Columbia. This is company-reported insurer authority for this entity and does not establish which company issues every Hiscox-branded product. 13
  • TechInsuranceSpecialty Program Group LLCInsurance producer · checked 2026-09-28TechInsurance’s current licensing page names Specialty Program Group LLC / SPG Insurance Solutions and lists state license numbers, but labels Rhode Island “Individual licenses” rather than identifying a license for the named agency. RI is omitted because this disclosure does not establish agency authority there; this is a search limitation, not an assertion that the company is unlicensed. The remaining state entries are company-reported and are not an insurance product availability map. 15
  • VouchVouch Specialty Insurance Services, LLCInsurance producer, Surplus-lines broker · checked 2026-09-28Vouch’s licenses page, effective January 16, 2025, lists producer licenses in all 50 states and DC. Its separate surplus-lines table includes Idaho number 870820, while a footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses. Because those statements conflict for Idaho, this record keeps Idaho producer-only and does not treat the table number as established agency surplus-lines authority. The page is company-reported and does not establish product availability. 16

Questions to Ask Before You Buy in Florida

  1. What Florida trade classification applies to our actual work, and which employee threshold follows from it?
  2. Are any owners or partners counted or eligible to elect out for this entity and industry?
  3. Will our policy list Florida in Section 3A, or does an applicable home-state reciprocity provision cover this temporary work?
  4. What current proof must we collect from each subcontractor before the project begins?

Workers’ Compensation in Florida: FAQ

How many employees trigger workers’ compensation in Florida? 1

It depends on industry: one or more employees in construction, four in non-construction, and six regular or qualifying seasonal workers in agriculture. Owner treatment also differs by entity and industry. 1

Who is responsible if a Florida construction subcontractor has no workers’ compensation? 3

A contractor must require evidence of a subcontractor’s coverage, and if the subcontractor has not secured it, the contractor is liable to secure compensation for the workers engaged on that contract work. 3

Workers’ Compensation in Other States

Other Coverage in Florida

Sources

  1. Coverage Requirements. Florida Department of Financial Services, Division of Workers’ Compensation; Construction, non-construction, agriculture, out-of-state employers and contractors. Accessed 2026-09-28.
  2. Florida Statutes §440.02, Definitions. Florida Legislature; 2026 Florida Statutes, §440.02(10)–(11), (18)(b)–(d), industry and employee definitions. Accessed 2026-09-28.
  3. Florida Statutes §440.10, Liability for compensation. Florida Legislature; 2026 Florida Statutes, §440.10(1)(a)–(c), contractors and subcontractors; out-of-state coverage. Accessed 2026-09-28.
  4. Florida Office of Insurance Regulation. Florida Office of Insurance Regulation; Official regulator homepage; insurer regulation. Accessed 2026-09-28.
  5. Resources. Florida Office of the Insurance Consumer Advocate; State page links to DFS agent search and OIR active company search. Accessed 2026-09-28.
  6. Get Insurance Help. Florida Department of Financial Services; Insurance concern and formal complaint intake; consumer helpline. Accessed 2026-09-28.
  7. Florida Statutes § 626.932: Surplus lines tax. Florida Legislature; 4.94% tax on gross premium; home-state taxation; statutory definition of premium. Accessed 2026-09-28.
  8. FSLSO Bulletin 2026-02. Florida Surplus Lines Service Office; Service-fee rate effective July 1, 2026: 0.03%. Accessed 2026-09-28.
  9. Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
  10. Licenses and Carriers. Coalition; Licenses and Carriers, re-read 22 September 2026: Insurance Licenses table for Coalition Insurance Solutions, Inc., national producer number 18419475, with producer and surplus-lines numbers for all 50 states and DC including California 0L76155, Georgia 196479, Texas 2199630 and 2205589, Pennsylvania 815731 and 817452, Colorado 539028 and Wisconsin 3000108852. Insurance Carriers table naming, with NAIC numbers, Allianz Underwriters Insurance Company 36420, Arch Specialty Insurance Company 21199, Ascot Specialty Insurance Company 45055, Ascot Insurance Company 23752, Aspen Specialty Insurance Company 10717, Chaucer Insurance Company DAC, Coalition Insurance Company 29530, Fireman's Fund Indemnity Corporation 11380, Fortegra Specialty Insurance Company 16823, Lloyd's of London, MSIG Specialty Insurance USA Inc. 34886, MS Transverse Specialty Insurance Company 41807, Steadfast Insurance Company 26387, Vantage Risk Specialty Insurance Company 16275 and Zurich American Insurance Company 16535. Accessed 2026-09-22.
  11. Insurance Producer Licenses. Corgi Insurance; Current complete Insurance Producer Licenses table for Corgi Insurance Services, Inc.; 50 rows covering 49 states and DC (DC 3003091619); no New Mexico row; no NPN or as-of date shown. Accessed 2026-09-28.
  12. About Hiscox US Insurance. Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent and Lloyd’s coverholder for Syndicates 33 and 3624; surplus-lines placements through licensed surplus-lines brokers; A.M. Best rating statement. Accessed 2026-09-16.
  13. Licenses. ERGO NEXT Insurance; Current entity-by-state license table reopened 28 September 2026: 50 rows under Next First Insurance Agency, Inc., including Washington, DC; New York rows instead list Next Insurance Services PC-1423070 and AP Intego BR-1198885. Accessed 2026-09-28.
  14. Insurance Licenses by State. TechInsurance; Current state table; identifies TechInsurance as a division of Specialty Program Group LLC d/b/a SPG Insurance Solutions; lists DC 3000041536 and labels Rhode Island “Individual licenses,” without an agency license number. Accessed 2026-09-28.
  15. Licenses. Vouch; Effective 16 January 2025: Vouch Specialty Insurance Services, LLC, NPN 19926463; P&C table (50 states and DC); surplus-lines table includes Idaho 870820; footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses; Idaho retained as producer-only due to conflict. Accessed 2026-09-15.

Updated .

This guide is informational and does not determine whether a policy is available or meets your needs. Editorial policy. To suggest a correction, contact Spot with a supporting source.

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