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Do Independent Contractors Need Workers’ Comp in Florida?

Who Needs Workers Comp in Florida?

For many business owners, the use of independent contractors can be a great way to save on labor costs. But what are the rules surrounding the use of independent contractors in Florida? Do they need to be covered by workers’ compensation insurance?

Florida Workers Comp Insurance For Independent Contractors

In the state of Florida, businesses are only required to provide workers’ compensation insurance for employees, not independent contractors.


There is no legal requirement in the state of Florida for businesses to provide workers’ compensation insurance for independent contractors. However, there are certain circumstances where an employer could be held liable for injuries sustained by an independent contractor.


These include instances where the employer:

If you are found to be at fault in any of these scenarios, you could be held liable for the injured worker’s medical expenses and lost wages. As such, it is always best to err on the side of caution and purchase workers’ compensation insurance for your independent contractors.


This will protect you and your business in the event that an accident does occur.

Florida Workers Compensation Policy Made Easy

As such its always best to work with independent contractors that have workers compensation insurance as a way to protect yourself and your business.


At OCMI we make sure to match you with the best suited program and ensure that all of your roofers’ insurance coverage needs are taken care of.


Get your workers compensation rate today, by clicking on the button below.