If a small business has four or more employees who work either full-time or part-time, the state of Florida requires employers to provide workers' compensation coverage for injuries that may occur due to work-related activities.

Businesses in the construction industry must have coverage for every employee. Likewise, agricultural businesses with six or more regular employees and/or 12 or more seasonal employees who work more than 30 days must carry workers’ comp coverage.

Primary contractors are responsible for ensuring that any sub-contractors provide workers’ compensation coverage for their workers. Should an out-of-state employer hire workers in Florida, they must notify their carrier that they have Florida employees and carry Florida workers’ compensation coverage. Or, the out-of-state policy they have should include Florida.