Insurance Options for Broward County, Florida
Workers’ compensation • Broward County
Florida workers’ compensation rules depend on the type of business and workforce. Our team can help you discuss coverage needs and gather details about employees, payroll, job duties, and subcontractors.
This page is general information, not legal advice. Confirm current requirements and exemptions with Florida’s Division of Workers’ Compensation.
Florida’s employer guidance describes broad employee-count thresholds, with separate rules and exceptions that can affect a specific business.
Florida generally requires coverage for non-construction employers with four or more employees, including full-time and part-time workers. Exceptions and special situations may apply.
Construction employers generally must carry coverage when they have one or more employees, including full-time and part-time workers. Rules also address subcontractor compliance.
Business classification, ownership, exemptions, subcontractors, and other details matter. Review official state guidance and speak with the appropriate state office or legal adviser about compliance.
Prepare a description of your business operations, employee count, payroll by job type, work locations, and subcontractor relationships. This helps frame an insurance conversation; it does not determine your legal obligations.
Review the Florida Division of Workers’ Compensation employer guidance for current requirements and exemptions. Ask our team about discussing a coverage request for your business.
The state’s general guidance says four or more employees for most non-construction businesses and one or more for construction businesses, counting full-time and part-time employees. Exceptions and details matter; verify your situation with the state.
No. The form gathers a request so our team can follow up. It is not a legal determination or a substitute for official Florida guidance.
Choose “Business” on the request form and mention workers’ compensation, or call our team at (800) 310-2743.
A request does not bind, change, or cancel insurance coverage. Coverage, eligibility, limits, and terms are determined by the insurer. See our insurance disclosures.