Worker Comp for Construction Workers

Understanding Workers’ Compensation in Florida’s Construction Industry

Read­ing Time: 4 min­utes

Last Updat­ed on April 18, 2023 

Learn about Flori­da’s con­struc­tion indus­try work­ers’ com­pen­sa­tion require­ments, work­place safe­ty mea­sures, and FAQs to help employ­ers pro­tect their employ­ees and stay com­pli­ant with state regulations.

Workers’ Compensation in Florida’s Construction Industry: Requirements and Coverage Explained

The con­struc­tion indus­try is a thriv­ing sec­tor in Flori­da, employ­ing numer­ous indi­vid­u­als and con­tribut­ing sig­nif­i­cant­ly to the state’s econ­o­my. How­ev­er, it is also an indus­try with poten­tial risks, which neces­si­tates the pro­vi­sion of ade­quate work­ers’ com­pen­sa­tion cov­er­age for all employ­ees involved. In this arti­cle, we’ll delve into the require­ments and key aspects of work­ers’ com­pen­sa­tion for employ­ers in Flori­da’s con­struc­tion sector.

Workers’ Compensation Requirements for Florida’s Construction Industry

Employ­ers with one or more employ­ees in Flori­da’s con­struc­tion indus­try must pro­vide work­ers’ com­pen­sa­tion cov­er­age. This require­ment includes cor­po­rate offi­cers, Lim­it­ed Lia­bil­i­ty Com­pa­ny (LLC) mem­bers, and even the own­er of the busi­ness. For a com­pre­hen­sive list of trades con­sid­ered part of the con­struc­tion indus­try, refer to 69L‑6.021 Flori­da Admin­is­tra­tive Code.

What Does Workers’ Compensation Cover?

  • Med­ical expens­es relat­ed to work­place injuries or illnesses 
  • Lost wages for employ­ees unable to work due to work­place injuries or illnesses 
  • Voca­tion­al reha­bil­i­ta­tion for employ­ees who require train­ing or edu­ca­tion to return to work after an injury or illness 
  • Death ben­e­fits for the fam­i­ly of an employ­ee who pass­es away due to a work-relat­ed injury or illness

Workers’ Compensation Exemptions

Cer­tain indi­vid­u­als may be exempt from work­ers’ com­pen­sa­tion cov­er­age. Con­struc­tion indus­try employ­ers should be aware of these exemp­tions and ensure they are in com­pli­ance with Flori­da state law.

  • Sole pro­pri­etors or part­ners of an unin­cor­po­rat­ed busi­ness may apply for an exemp­tion from work­ers’ com­pen­sa­tion coverage. 
  • Cor­po­rate offi­cers or LLC mem­bers with at least 10% own­er­ship in the com­pa­ny may apply for an exemption. 
  • Some agri­cul­tur­al employ­ers and employ­ees may be exempt from work­ers’ com­pen­sa­tion requirements.

Penalties for Non-Compliance

Fail­ure to pro­vide work­ers’ com­pen­sa­tion cov­er­age for employ­ees in the con­struc­tion indus­try can result in severe con­se­quences, including:

  • Fines and penal­ties for non-compliance 
  • Crim­i­nal charges for know­ing­ly fail­ing to pro­vide coverage 
  • Civ­il law­suits by injured employ­ees or their families 
  • Stop-work orders, which halt busi­ness oper­a­tions until cov­er­age is obtained

Finding the Right Workers’ Compensation Coverage

To ensure com­pli­ance with Flori­da state law and pro­vide pro­tec­tion for employ­ees, con­struc­tion indus­try employ­ers should take the fol­low­ing steps:

  • Research dif­fer­ent insur­ance providers to find the best fit for your company. 
  • Obtain quotes from mul­ti­ple providers to com­pare cov­er­age options and pricing. 
  • Review your com­pa­ny’s spe­cif­ic needs and choose a pol­i­cy that meets your requirements. 
  • Pro­vide proof of work­ers’ com­pen­sa­tion cov­er­age to the state and main­tain accu­rate records. 
  • Reg­u­lar­ly review your pol­i­cy and update cov­er­age as need­ed to account for changes in your busi­ness, such as employ­ee count, trade clas­si­fi­ca­tions, or com­pa­ny growth. 
  • Ensure your employ­ees are aware of their work­ers’ com­pen­sa­tion ben­e­fits and the pro­ce­dure for report­ing injuries or illnesses. 
  • Imple­ment safe­ty mea­sures and train­ing pro­grams to reduce the risk of work­place acci­dents and injuries. 
  • Stay informed about any changes to work­ers’ com­pen­sa­tion laws or reg­u­la­tions in Flori­da that may impact your business.


Nav­i­gat­ing the require­ments of work­ers’ com­pen­sa­tion cov­er­age in Flori­da’s con­struc­tion indus­try can be chal­leng­ing. By under­stand­ing the state’s reg­u­la­tions, pro­vid­ing appro­pri­ate cov­er­age, and keep­ing up-to-date on indus­try stan­dards, employ­ers can pro­tect both their employ­ees and their busi­ness­es from poten­tial risks. By ensur­ing your busi­ness com­plies with Flori­da’s work­ers’ com­pen­sa­tion laws, you con­tribute to cre­at­ing a safer and more secure work­ing envi­ron­ment for every­one involved.


How can construction employers in Florida implement effective workplace safety measures?

Employ­ers can devel­op and enforce a com­pre­hen­sive safe­ty pol­i­cy, con­duct reg­u­lar safe­ty train­ing for employ­ees, per­form rou­tine safe­ty inspec­tions, ensure prop­er use of per­son­al pro­tec­tive equip­ment (PPE), and estab­lish a clear pro­ce­dure for report­ing and inves­ti­gat­ing accidents.

Why is workplace safety important in the construction industry?

Work­place safe­ty is impor­tant in the con­struc­tion indus­try because it helps pro­tect employ­ees from poten­tial haz­ards, reduces the like­li­hood of acci­dents and injuries, low­ers work­ers’ com­pen­sa­tion claims, and main­tains a strong rep­u­ta­tion for the employ­er with­in the industry.

What are some examples of personal protective equipment (PPE) commonly used in the construction industry?

Exam­ples of PPE com­mon­ly used in the con­struc­tion indus­try include hard hats, safe­ty gog­gles, high-vis­i­bil­i­ty vests, steel-toed boots, gloves, earplugs or ear­muffs, and res­pi­ra­to­ry pro­tec­tion devices.

How can employers stay updated on workers’ compensation requirements and changes in Florida’s construction industry?

Employ­ers can stay updat­ed on work­ers’ com­pen­sa­tion require­ments by reg­u­lar­ly review­ing the Flori­da Admin­is­tra­tive Code, mon­i­tor­ing the Flori­da Divi­sion of Work­ers’ Com­pen­sa­tion web­site, sub­scrib­ing to rel­e­vant newslet­ters, join­ing indus­try asso­ci­a­tions, and con­sult­ing with legal pro­fes­sion­als spe­cial­iz­ing in work­ers’ com­pen­sa­tion law.


69L‑6.021 Flori­da Admin­is­tra­tive CodeThe sec­tion of the Flori­da Admin­is­tra­tive Code that defines the trades con­sid­ered to be part of the con­struc­tion indus­try and out­lines work­ers’ com­pen­sa­tion requirements.
Cor­po­rate officersIndi­vid­u­als who hold exec­u­tive posi­tions with­in a cor­po­ra­tion, such as the pres­i­dent, vice pres­i­dent, sec­re­tary, or trea­sur­er. In Flori­da’s con­struc­tion indus­try, they are includ­ed in work­ers’ com­pen­sa­tion cov­er­age requirements.
Exemp­tionsSpe­cif­ic cas­es where indi­vid­u­als or busi­ness­es are not required to pro­vide work­ers’ com­pen­sa­tion cov­er­age. In Flori­da, exemp­tions can be applied for and approved by the state.
Per­son­al Pro­tec­tive Equip­ment (PPE)Safe­ty gear and equip­ment designed to pro­tect employ­ees from work­place haz­ards, includ­ing hard hats, safe­ty gog­gles, high-vis­i­bil­i­ty vests, steel-toed boots, gloves, earplugs or ear­muffs, and res­pi­ra­to­ry pro­tec­tion devices.
Stop-work ordersOrders issued by the Flori­da Divi­sion of Work­ers’ Com­pen­sa­tion that require a busi­ness to cease oper­a­tions until they obtain ade­quate work­ers’ com­pen­sa­tion coverage.

Additional questions:

  • Flori­da con­struc­tion indus­try work­ers’ com­pen­sa­tion requirements
  • Work­place safe­ty mea­sures in Flori­da construction
  • Exemp­tions for work­ers’ com­pen­sa­tion in Florida
  • Per­son­al pro­tec­tive equip­ment for con­struc­tion workers
  • Penal­ties for non-com­pli­ance in Flori­da con­struc­tion industry

Additional Resources

  1. Flori­da Divi­sion of Work­ers’ Com­pen­sa­tion:
  2. Flori­da Admin­is­tra­tive Code (69L‑6.021) — Work­ers’ Com­pen­sa­tion Cov­er­age Require­ments and Penal­ties for the Con­struc­tion Indus­try:‑6.021
  3. Flori­da Depart­ment of Finan­cial Ser­vices — Work­ers’ Com­pen­sa­tion: