Direct Insurance Network, LLC
Direct Insurance Network, LLC
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.
Start with your name, phone and ZIP to request a callback. For a quote review, have your business activity, full-time and part-time employee counts, estimated annual payroll by job type, work locations, subcontractor details, and renewal or requested start date ready. If available, keep your current policy and loss history for follow-up. You do not need all of these details to start.
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. An exemption concerns an eligible owner's own coverage and does not automatically exempt the business's employees. Our form starts an insurance conversation; confirm exemption eligibility and employee requirements with Florida's Division of Workers' Compensation.
Use the button below to open our business request with workers’ compensation selected. Add employee count, estimated payroll and timing under the optional commercial quote details, or call (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.
Describe the work your employees actually perform and list payroll by job type, work locations, any subcontractors and your desired start date. Keep supporting records for the follow-up conversation.
Use the business preparation checklists · Request a workers’ comp callback · Review a renewal or coverage-ending notice