Florida's workers' comp rules differ from every other state — construction exemptions, the 4-employee rule, and mandatory coverage thresholds vary by industry. CISA Insurance helps FL businesses navigate these complexities and secure affordable coverage from top-rated carriers.
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Why CISA
FL construction businesses must carry workers' comp with 1+ employees (corporate officers who own 10%+ may exempt themselves — up to 3 per entity). We guide you through every exemption rule and contractor-specific requirement.
Florida requires workers' comp for non-construction businesses with 4+ employees. Agricultural businesses need coverage with 6+ regular employees or 12+ seasonal workers. CISA Insurance keeps you compliant at every stage.
We work with 15+ carriers licensed in Florida, including specialized markets for roofing, trucking, and hospitality — all industries that standard brokers often can't place competitively.
Florida businesses can tie premium to actual payroll through pay-as-you-go programs. No large upfront deposits, no year-end audit surprises — just accurate coverage that scales with your business.
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