As an employer in Florida, you are legally required to carry workers' compensation insurance. Specifically, Florida law requires that all employers with four or more employees (including part-time and full-time employees) have workers' compensation insurance, unless the employer is in a construction industry with one or more employees, in which case workers' compensation insurance is required regardless of the number of employees.
Workers' compensation insurance provides benefits to employees who are injured or become ill due to work-related duties. These benefits can include medical expenses, lost wages, and disability payments.
Failure to carry workers' compensation insurance can result in hefty fines and legal penalties, including the possibility of being held personally liable for any damages.
There are some exceptions to the workers' compensation requirement, such as for certain types of businesses or for employees who are covered by federal workers' compensation laws. However, it is important to note that these exceptions are narrow and may not apply to your specific situation.
If you are unsure about your legal obligations as an employer with regard to workers' compensation insurance in Florida, it is recommended that you consult with a licensed attorney who can provide legal advice tailored to your specific circumstances.
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