Florida workers' comp · Published by Bright Coast Insurance
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Florida workers’ comp, with a clearer starting point. Find your class code, explore the published rate, and let Bright Coast handle the real quote.
Last checked 2026-10-31 against FL DFS, Florida Statutes and FWCJUA sources.
Your work. Your crew. A quote reviewed by a licensed agent.
Before you price it
The Florida rules, in one glance
Source: FL DFS Division of Workers' Compensation: Coverage requirements — Checked: 2026-10-31
Who has to carry workers' comp in Florida?
In construction, any employer with one or more employees must carry workers' comp, and owners who are corporate officers or LLC members count. Outside construction, the line is four or more employees. Agricultural employers need coverage with 6 regular employees and/or 12 seasonal workers who meet the state's day thresholds.
Seasonal workers count toward the agricultural threshold when they work more than 30 days in a season or more than 45 days in a calendar year.
These rules come from the Florida Division of Workers' Compensation. If you're unsure where your business falls, check the source or call us at (239) 475-0361.
Source: FL DFS Division of Workers' Compensation: Coverage requirements — Checked: 2026-10-31
How do I get covered fast?
If Florida requires coverage for your business, the simplest path is to have a policy in place before work starts. Bright Coast can quote it and explain the rules in plain language.
Source: FL DFS Division of Workers' Compensation: Coverage requirements — Checked: 2026-10-31
How do I get covered quickly?
Moving fast mostly comes down to having your information ready: your business entity details, payroll, the work your crews actually do, and your subcontractors' certificates. Have those in hand before you call (239) 475-0361.
To figure out which work classification fits your crews, start with Bright Coast's Florida class code lookup, which it says covers 500+ Florida class codes.
Our fast quote guide walks through each step.
Source: Bright Coast Florida WC class code lookup — Checked: 2026-10-31
Asked every week
Quick answers
Do I need workers' comp if I'm the only person in my Florida construction company?
Yes, unless you hold a construction exemption. In construction, Florida's one-or-more employee rule includes owners who are corporate officers or LLC members. To qualify for an exemption, you attest at least 10 percent ownership, your company must be active with the Division of Corporations, and you pay a $50.00 application fee, among other conditions.
Am I responsible if my subcontractor doesn't have workers' comp?
Yes. Florida requires contractors to make sure every subcontractor has workers' comp before the sub begins work. If a sub has no coverage, its workers become your employees for workers' comp purposes, and you pay the benefits if one of them is hurt on the job. Collect and check certificates before anyone starts.
What is FWCJUA?
FWCJUA is the Florida Workers' Compensation Joint Underwriting Association, the state's residual market for workers' comp. Its website offers published rates, a Verify COI tool and a link to a proof of coverage database.
How do I contact Fast Workers Comp?
Call Bright Coast Insurance at (239) 475-0361 or email support@brightcoastins.com. Bright Coast publishes this guide. Office hours are Mon–Fri, 8 AM–5 PM ET. Mailing address: PO Box 417, Pineland, FL 33945.
From our publisher
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