Florida Business Insurance Guide 2026

Who must carry it: 4 or more employees; 1 or more in construction; 6 regular or 12 seasonal in agriculture (Florida Division of Workers' Compensation: Coverage Requirements).

Agricultural employers must carry it once they have six regular employees or twelve seasonal workers meeting day-count tests (Florida Division of Workers' Compensation: Coverage Requirements).

Exemptions and exclusions

Corporate officers and LLC members may apply to the division for an exemption for themselves, and the division handles construction and non-construction exemption applications separately (Florida Division of Workers' Compensation: exemptions).

The agency to ask is the Florida Department of Financial Services, Division of Workers' Compensation. Pricing is separate from the legal rule: the workers' comp calculator multiplies the payroll, rate and modifier you enter, and the workers' compensation guide explains the coverage.

Florida's registration requirement is built on two coverages rather than the usual three-part limit:

• Personal injury protection (PIP): at least $10,000
• Property damage liability: at least $10,000
• Bodily injury liability: not part of the registration requirement for most private vehicles, but drivers who must file an SR22 after certain violations need it
• Start date: not stated in the source; confirmed in force on October 3, 2026
• Source: Florida Department of Highway Safety and Motor Vehicles, Florida Insurance Requirements

have a minimum of $10,000 in PIP AND a minimum of $10,000 in PDL.

Source: Florida Department of Highway Safety and Motor Vehicles, Florida Insurance Requirements

Taxis are the exception the department names: vehicles registered as taxis must carry bodily injury liability of $125,000 per person and $250,000 per occurrence, plus $50,000 of property damage liability (Florida Department of Highway Safety and Motor Vehicles, Florida Insurance Requirements).

Commercial and for-hire vehicles can face different or higher federal or state requirements, as our commercial auto guide explains.

There is no mandatory state-run paid family and medical leave insurance program and no state temporary disability insurance program in Florida, according to NCSL's table, last updated November 7, 2025 (NCSL: state family and medical leave laws; cross-checked on October 3, 2026 with the U.S. Department of Labor Women's Bureau).

The same NCSL page lists Florida among the states whose laws let employers buy optional paid leave coverage from private insurers; that option creates no employer mandate.

Because legislatures can create programs, as Virginia did in 2026 (Code of Virginia § 60.2-801), check with the state agency that handles labor and workforce matters before relying on this for a future Florida payroll year.

Licenses, leases and client contracts in Florida can set their own general liability limits or certificate wording. The certificate of insurance checklist helps you track them, and the requirements-by-state guide compares states. Florida's workers' compensation rule applies to construction employers at one employee rather than four, so contractors should check it alongside their license conditions.

• Workers' compensation: Florida Department of Financial Services, Division of Workers' Compensation
• Auto liability minimums: Florida Department of Highway Safety and Motor Vehicles, Florida Insurance Requirements
• Paid leave and disability insurance: NCSL state family and medical leave laws and the U.S. Department of Labor Women's Bureau

The state requirements checklist prepares questions from your headcount and vehicles; to ask PolicyBenchmark to follow up, request coverage help.