Workers’ Comp covers your crew when they get hurt at work, and in exchange protects you from most injury lawsuits. In Florida construction it isn’t optional, and the penalties for getting it wrong are steep.
What it covers
- Medical treatment for work-related injury or illness
- A portion of lost wages while an injured worker recovers
- Employer’s liability — the lawsuit side of an injury
- Subcontractor exposure you may be picking up unknowingly
Who needs it
Mandatory in Florida construction at 1+ employee, and non-construction at 4+ employees.
Florida note
Florida ran a 6.9% statewide rate cut effective Jan 1, 2026 — the ninth straight annual decrease, with roofing projected down ~11%. Miss coverage and the state issues stop-work orders plus penalties of 2× the unpaid premium. We also prep you for audits so you don’t overpay on payroll you never had.