When Florida requires workers' comp
Florida's workers' compensation law sets the employee count that triggers mandatory coverage by industry:
| Industry | Coverage required at |
|---|---|
| Construction | 1 or more employees, including the owner if they're an employee |
| Non-construction | 4 or more employees, full- or part-time |
| Agriculture | 6 or more regular employees, or 12 or more seasonal workers |
Corporate officers can apply to the Division of Workers' Compensation for an exemption, but construction exemptions are limited and must be renewed. Working without required coverage can bring a stop-work order and penalties based on the premium you should have paid.
General liability
General liability covers bodily injury and property damage you cause to others, plus personal and advertising injury. It's the policy landlords, general contractors and customers ask to see on a certificate of insurance. Ask us about additional insured, primary and non-contributory, and waiver of subrogation wording before you sign a contract, because those have to be on the policy, not just the certificate.
Commercial auto
A personal auto policy usually won't cover a vehicle used mainly for business, titled to the business, or driven by employees. Commercial auto covers liability and physical damage for business vehicles. Hired and non-owned auto coverage protects you when employees drive their own cars for work. For trucks, vans and fleets, see EasyCommercialAuto.com.
Contractors
Roofers, electricians, plumbers, HVAC, concrete, painters and other trades need general liability and workers' comp that match what their contracts demand, plus contractor's equipment and builder's risk coverage. Our trade-specific site, EasyContractorsInsurance.com, covers trades we insure in detail.
Other business coverage we write
- Commercial property and business income
- Business owner's policies (BOP) for offices, retail and restaurants
- Professional liability (E&O) and cyber
- Commercial umbrella
- Surety bonds: license, permit and contract