Florida Workers’ Compensation

USTAX BAY
Apr 28
2 min read

Essential Guide for Employers

Written by US Tax Bay

At US Tax Bay, we help businesses navigate payroll and compliance requirements across the U.S. If you own a business in Florida, understanding workers' compensation laws is crucial for protecting your employees and your company.

Is Workers’ Compensation Required in Florida?

Yes.

In Florida, every business with four or more employees must carry workers’ compensation insurance. Companies in the construction industry must obtain coverage even if they have only one employee.

Which Workers May Be Excluded from Coverage?

Florida allows some exemptions, including:

Independent contractors (except construction workers)
Licensed real estate brokers
Musicians and theatrical performers
Part-time employees
Volunteers (in most cases)
Some vehicle-for-hire drivers
Some sports officials

How to Purchase Workers’ Compensation Insurance in Florida

Business owners can secure coverage by purchasing:

Private insurance policies through authorized carriers.

If you're unsure where to start, US Tax Bay can assist you in finding the right policy and ensure you meet all compliance requirements.

Penalties for Noncompliance

Florida takes workers' compensation very seriously:

Businesses without proper insurance will be issued a stop-work order, halting all operations until compliance is achieved.
Penalties typically amount to twice the premium the business would have paid over the last two years.

Noncompliance can lead to significant financial and operational disruptions, so it’s vital to stay protected.

Death Benefits for Workers’ Families

If an employee suffers a fatal work-related injury:

Eligible family members can receive up to $150,000 in total compensation benefits.
Payments are based on up to 66.67% of the deceased worker’s average weekly wage.
Families may also receive a lump-sum payment of up to $7,500 to cover funeral expenses.

Need Help Setting Up Your Business Payroll and Compliance?

U.S. TAX BAY makes it simple for new and growing businesses!

We handle everything you need:

✔️ Payroll Tax Registration

✔️ FEIN (Federal Employer Identification Number) Registration

✔️ Secretary of State (SOS) Business Registration

✔️ Workers' Compensation Registration Support

✔️ Full-Service Payroll Management

✔️ Unemployment Insurance Account Setup

✔️ Ongoing Compliance Services

⚡ Fast Turnarounds. Expert Support. Affordable Pricing. ⚡

📞 Get a FREE Consultation Today!

🌐 Visit: www.ustaxbay.com

📧 Email: info@ustaxbay.com

Why Trust US Tax Bay?

We simplify business setup and compliance across all U.S. states. Our team ensures you meet Florida's strict regulations and keeps your operations running smoothly.