If you own a corporation or LLC in Florida, understanding Workers’ Compensation requirements is essential. Florida law is strict, and failing to comply can result in serious penalties — often costing far more than the insurance itself.
At NotaryProSupport.org, we help small business owners stay compliant and simplify the exemption filing process. Below is a clear guide on when Workers’ Comp is required, how exemptions work, and what happens if you ignore state requirements.
I. What Is Workers’ Compensation and When Is It Required in Florida?
Workers’ Compensation insurance provides coverage for employees who suffer a work-related injury or illness. It covers medical bills and part of lost wages — regardless of fault — in exchange for limiting lawsuits against the employer.
Who Must Carry Workers’ Comp in Florida?
| Industry | Requirement |
| Construction | Required if you have 1 or more employees (including contractors, subcontractors, and non-exempt owners) |
| Non-Construction | Required if you have 4 or more employees (full-time or part-time combined) |
| Agricultural | Required if you have 5+ regular employees or 12+ seasonal employees working over 30 days |
Official State Guidance:
Florida Department of Financial Services Coverage Requirements
II. The Key to Savings: Owner Exemption Certificate
If you are a corporate officer or LLC member/manager, you may request a Certificate of Election to be Exempt. This allows you to legally exclude yourself from Workers’ Comp coverage requirements.
Exemption Rules: Construction vs. Non-Construction
| Requirement | Construction | Non-Construction |
| Eligible Individuals | Corporate officers or LLC members/managers | Corporate officers or LLC members/managers |
| Ownership Required | Yes — minimum 10% ownership | No ownership requirement |
| Max Exemptions | Up to 3 per company | Up to 3 per company |
| Training | Online compliance training required | Online compliance training required |
| Fee & Duration | $50 per application — valid for 2 years | $50 per application — valid for 2 years |
Construction warning: If your business has 4+ officers/members, only 3 can be exempt. At least one must be covered by a policy.
III. What Happens If You Don’t Comply (Major Risk)
Many business owners assume inspections are unlikely. However, investigations frequently happen after claims, subcontractor checks, or anonymous reports.
A. Financial Penalties
- Retroactive Fine: The state can charge 2× the premium amount for the period without insurance — often thousands of dollars.
- Stop Work Order (SWO): Operations are immediately shut down until fines are paid and coverage is obtained.
B. Personal Liability
- If an injury occurs and coverage is required but not in place:
- Corporate liability protections may be removed
- The owner can be held personally responsible for medical costs and lost wages
Personal assets (bank accounts, property, etc.) may be at risk
IV. Workers’ Compensation Policy Basics
If you employ workers or do not qualify for exemption, premiums are based on:
- Industry Classification (NCCI Class Code)
Higher-risk industries (e.g., roofing) pay more than clerical roles. - Payroll Amount
Premium calculated per $100 of payroll. - Experience Modification Rate (EMR)
Businesses with claims pay higher premiums. - Verify Coverage:
Florida DFS Proof of Coverage Search
V. Importance of a Reliable Registered Agent
Your Registered Agent receives official state notices, including:
- Exemption renewal reminders
- Workers’ Comp compliance notices
- Stop Work Orders or penalties
If you miss a notice due to incorrect or unreliable agent information, penalties may apply without your knowledge.
Let ProSupport Handle Your Workers’ Comp Requirements
The exemption and renewal process includes multiple steps and deadlines. Mistakes can lead to thousands in penalties.
At NotaryProSupport.org, we assist with:
- Exemption filing and renewal (every 2 years)
- Completing required online training
- Compliance reminders and document management
- Guidance on exemption eligibility vs. required policy
- Save time
- Avoid costly errors
- Keep your business compliant
Request assistance with your Workers’ Comp exemption today.
“Get Workers’ Comp Exemption Help”