Florida Worker's Compensation

Florida Statutory Mandates

Under Florida law, Worker's Compensation is mandatory for:

• ■ Non-Construction: 4 or more employees (including corporate officers).
• ■ Construction Industry: 1 or more employees (including sole proprietors/officers).
• ■ Agriculture: 6+ regular or 12+ seasonal employees.

Coverage Structure

• ■ Part A (Statutory Benefits): Covers 100% of reasonable and necessary medical care and lost-time wage indemnity.
• ■ Part B (Employer's Liability): $1,000,000 limits shielding the business from third-party injury claims.
• ■ Experience Mod (EMR) Management: Risk mitigation strategies to lower claims frequency and reduce annual audit premiums.