09/07/2026
ONE EMPLOYEE. THAT IS THE THRESHOLD.
Most Florida contractors do not realize how low the bar is: hire your first employee, and workers' compensation coverage becomes mandatory. Show up to a job site without proof of coverage, and a stop-work order can halt the entire project, crew idle, timeline blown, fines accruing daily.
We see this catch growing contracting businesses off guard more than almost any other compliance gap. It is preventable, and it is fast to fix.
At Elite Business Insurance, we shop 1,000+ carriers to find contractors competitive workers' comp coverage with same-day callbacks and COI issued within hours. BBB A+ rated, licensed in Florida since 2013.
If your crew is one audit away from a shutdown risk, call (813) 922-3055 for a free coverage review.