In Florida, all employers with four or more employees are required to carry workers’ compensation insurance. For employers in the construction industry, the requirement applies if they have one or more employees, and for agricultural employers, it applies if they have six or more regular employees or twelve or more seasonal employees working more than 30 days. This coverage can be obtained through a private insurer or by qualifying for self-insurance if the employer meets specific criteria. Sole proprietors and partners in non-construction businesses are excluded from mandatory coverage but have the option to opt-in. Corporate officers in non-construction businesses can also be exempted under certain conditions. Florida’s system provides injured workers with necessary medical care, wage replacement, and rehabilitation services. The Florida Division of Workers’ Compensation ensures compliance, enforcing regulations and imposing penalties on employers who fail to provide the required coverage, thereby safeguarding workers’ rights and benefits.