In Florida, what is the minimum workers' compensation insurance coverage required for construction companies with employees?
Correct Answer
D) Required for companies with 1 or more employees
Florida law requires workers' compensation insurance for construction companies with one or more employees, including part-time workers. This is mandatory regardless of company size.
Why This Is the Correct Answer
Florida Statute 440.10 mandates that all construction companies must carry workers' compensation insurance if they have one or more employees, regardless of whether they are full-time, part-time, or temporary workers. This requirement is absolute and applies to all construction industry employers without exception. The law recognizes construction as a high-risk industry where workplace injuries are more likely to occur. Unlike some other industries that may have different thresholds, construction companies have no minimum employee count exemption.
Why the Other Options Are Wrong
Option A: Required for companies with 4 or more employees
The threshold of 4 or more employees applies to some other industries in Florida, but construction companies must provide coverage starting with their very first employee.
Option B: Required only for companies with 10 or more employees
A 10-employee threshold is far too high and does not apply to Florida construction companies, which must provide coverage regardless of company size.
Option C: Coverage is optional if employees sign waivers
Employee waivers cannot override Florida's mandatory workers' compensation requirements for construction companies. Even if employees voluntarily sign waivers, employers are still legally required to provide coverage.
Memory Technique
Think 'Construction = ONE and DONE' - as soon as you hire one employee in construction, you're done with the exemption and must have workers' comp insurance.
Reference Hint
Florida Building Code Chapter 1, Section 105 - Permits and Florida Statute 440.10 regarding workers' compensation requirements
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