When Florida requires workers' comp
According to the Division of Workers' Compensation, the threshold depends on the industry. Check a specific business with the free workers' comp requirement checker.
| Industry | Coverage required at |
|---|---|
| Construction | 1 or more employees, counting corporate officers and LLC members |
| Non-construction | 4 or more employees, counting corporate officers and LLC members |
| Agriculture | 6 regular employees or 12 seasonal workers |
Officers and LLC members can apply for an exemption for themselves. For a new construction LLC, that is the first conversation: take the exemption now, and get a policy in place before the first employee or the first general contractor who asks for a certificate.
Which new filings to call first
- New construction and trade LLCs. One employee triggers coverage, and GCs ask for a certificate or exemption before the first job.
- Cleaning and janitorial companies. They hire crews early, and commercial clients ask for proof of coverage.
- Restaurants and food businesses. Staff counts pass four quickly once they open.
- Trucking and delivery. Drivers who are employees, not 1099 contractors, count toward the threshold.
A first call that works
"Hi, is this [name]? This is [your name] with [agency]. I saw [business name] just registered with the state, congratulations. A lot of new contractors I talk to aren't sure whether to file the workers' comp exemption or get a policy before they hire. Have you sorted that out yet?"
Open with the requirement they are about to hit, not with "I sell insurance." More openers, voicemails, and follow-up emails are in the calling guide. Before you dial, check the TCPA basics.
How FiledToday helps
Each weekday, FiledToday takes Florida's new filings for your county, removes holding companies and filing services, and finds the owner's phone number. You can ask for the list filtered to the categories above. Every delivered lead has a phone number; email and website are included when found. Plans run $99 to $249 a month depending on county size, month to month, and you can get a free county sample first.