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The State of Florida requires that even self-employed workers in the construction industry carry workers' compensation insurance. If you're in an industry that has less risk of workplace injuries and you have no employees, you might still decide that it's a good idea to have coverage.
The purpose of filing an exemption is for an officer of a corporation or member of a limited liability company to exclude themselves from the workers' compensation laws. Upon issuance of a Certificate of Election to be Exempt, the officer or member is not an employee and may not recover workers' compensation benefits.
Generally speaking, any business with fewer than four employees is exempt from workers' compensation insurance. Businesses with four or more employees, whether those employees work part-time or full-time, must carry workers' compensation insurance that covers all employees.
Florida law states that workers' compensation insurance is required when a business has four or more employees, either full- or part-time.
1. Sole proprietors and partners in the construction industry are considered employees and are automatically included for workers' compensation coverage purposes. They are not eligible to exempt out of workers' compensation coverage. They must have workers' comp coverage to work legally in the state of Florida.
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Generally speaking, sole proprietors are excluded from Florida's Workers' Compensation requirements. That means that if you own a sole proprietorship, you will likely not need to carry coverage. It is important to note that sole proprietors are only excluded if they do not operate within the construction industry.
The short answer to this question is yes. You can exclude owners and officers from workers' compensation coverage in Florida. But it depends on many factors, including the size of your company and your employees' roles within it.
Most 1099 contractors in Florida are not required to get worker's compensation policies. However, 1099 employees are required to get worker's compensation policies if they work in the construction industry or a construction-related field.
Fines And Fees The fine for not having the necessary policy by Florida law is double what the employer would have paid in workers compensation premiums for the duration of time they went without compliance in the last two years, or a minimum fee of $1,000, whichever is greater.
Generally speaking, any business with fewer than four employees is exempt from workers' compensation insurance. Businesses with four or more employees, whether those employees work part-time or full-time, must carry workers' compensation insurance that covers all employees.

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