Question 1

What are Florida's WC requirements?

Accepted Answer

Construction businesses must carry WC with 1 or more employees. All other industries must carry coverage with 4 or more employees. Failure results in stop-work orders and significant daily fines.

Question 2

Does Florida require PIP auto insurance?

Accepted Answer

Florida is a no-fault state requiring $10,000 Personal Injury Protection (PIP) and $10,000 Property Damage Liability (PDL). Bodily injury liability is not required for private passenger vehicles but is required for commercial vehicles in most cases.

Question 3

What does hurricane exposure mean for Florida business insurance?

Accepted Answer

Florida businesses face elevated property premiums due to hurricane risk. Commercial property policies often have separate hurricane/named storm deductibles — typically 2–5% of insured value. Always confirm your hurricane deductible in writing before binding.

Question 4

Are Florida contractors required to be licensed?

Accepted Answer

Yes. Florida requires licensing through DBPR for general contractors, specialty contractors, and subcontractors. Most licenses require proof of GL insurance and WC if applicable.

Question 5

What insurance does a Florida restaurant need?

Accepted Answer

Florida restaurants need: General Liability, Liquor Liability (if serving alcohol), Workers' Comp (at 4 employees), and commercial property. Florida dram shop laws are strict — restaurants face significant exposure for overserving patrons.

Florida Business Insurance Requirements 2026: Complete Legal Guide

Florida Business Insurance Requirements at a Glance

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Commercial Auto Minimums

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Workers' Compensation in Florida

Non-Compliance Penalties

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