Is Workers’ Comp Needed?

Is Workers' Comp Needed?
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Is Workers’ Comp needed?

Before we dive into, is workers’ compensation insurance needed, lets define what it is.

Workers’ Compensations is a form of insurance that covers injuries that are a result of a workplace accident – that most employers are required to have. Workers’ compensation insurance covers medical and partial wage replacement benefits.

Okay, back to is workers’ comp needed?

The short answer is -it depends. The following information is true when it comes to workers’ compensation coverage in the state of Florida.

Who needs Workers’ Compensation Insurance? Sometimes called, workmen’s compensation insurance.

It depends on the number of employees that you have. For example, if you work in construction and have one or more employees, including owners who are non- exempt you need workers’ compensation.

What about a restaurant? If you work in the restaurant industry, or any industry that isn’t considered construction or agriculture related you must have workers’ compensation, if you have four or more employees; this too includes any nonexempt business owners.

Breaking down the math; lets pretend you own a pizza restaurant with one of your siblings. In addition to you and your sibling, you have two additional people on staff at a restaurant. The owner and co- owner can be exempt from coverage, but because you have two other employees, and 2+2 = 4, you are required to have workers’ compensation in the state of Florida.

The math for workers’ compensation is different if you work in agriculture. If you have 6 regular employees or 12 part time workers, who work more than 30 days but no more than 45 days in a year, you are required to have workers compensation insurance.

Note: that the above only mentioned employees. The rules for sub-contractors are different. Sub- contractors are responsible of their own workers’ compensation insurance but, and this is a big BUT- if a sub-contractor is injured and they don’t have workers’ comp insurance the contractor is responsible.

In summary, if you have a business in Florida, you likely need workers’ compensation: if you have four or more employees and you’re not in the construction industry. If you work in construction, you need to have workers’ comp starting at one employee. If you work in ag, you need workers’ compensation insurance starting at 6 full time or 12 part time employees.

If you’re reading this and coming to the realization that you need workers’ compensation, we’re more than happy to give you a workers’ comp quote. If you’re interested in reviewing your current workers’ comp rates with us, we’re happy to give you a workers’ compensation quote too.

Get a workers’ comp quote.






The information above is to be used as an informative guide. Please understand it is not legal advice and is subject to change. You should always refer to official Florida law to keep up with any changes.

Why Atlantic Payroll Partners

The biggest payroll companies probably won’t have time for your business. It’s that simple, you’ll be a number. At Atlantic Payroll Partners, you’ll be the opposite. We’ll know more than your name; we’ll know the names of your children and their birthday’s as well. We will know you.

We’ve been helping Florida business by managing their payroll and providing workers' compensation quotes for ten years. We help keep payroll cost affordable by provided transparent PEO payroll quotes that allow you to plan your budget accordingly. Like the big payroll companies, you can manage your payroll and payroll timekeeping with us, while reaping the benefits of PEO risk management.

Thinking about payroll outsourcing can be scary. Make sure you know what to expect from payroll outsourcing providers; to make the best decision for your business. In addition to offering payroll, and workers' comp quote we offer: Human Resource consultations, Accounting services, and benefits such as, 401ks and Healthcare plans.

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