Small businesses in Florida are not exempt from having workers' compensation coverage. The law states that any employer with 4 or more employees is required to have workers’ compensation coverage. In the construction industry, all employers with at least one employee are required to have workers’ compensation insurance.
So, what happens if an employer does not have workers’ compensation insurance as required by law and one of their employees is injured on the job? Unfortunately for the employer, the injured worker can still pursue a claim against the employer for workers’ compensation benefits.
In fact, failure to have proper coverage can permit the injured party to sue their employer for negligence...something that would not be possible if the employer carried the proper workers' compensation coverage.