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Any business that has operations in Florida and employs four or more full-time or part-time employees is required to provide workers compensation coverage. An employer in the construction industry must provide coverage if they employ one or more workers. Construction industry employers that are based out of state are still required to provide coverage purchased through a Florida-licensed carrier if they have any employees that work in Florida. Farmers are required to provide coverage if they have more than five regular employees and/or twelve or more additional seasonal workers (working 30 days or more). State and local government are also required to carry coverage.

Information for State Workers Compensation Insurance