Are You Eligible For Workers Comp Exemption In Florida

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• An exemption lets an employer operate without purchasing the standard workers’ compensation insurance that most Florida companies must carry. The exemption is not a blanket “no coverage” rule; it applies only when the employer meets strict criteria defined by the Florida Department of Financial Services. If you qualify, you can file a Notice of Exemption (Form 65) and keep your payroll taxes low, but you also assume personal liability for any employee injury that would otherwise be covered by the insurer.
• Family‑owned businesses with ten or fewer employees. If the owner and employees are lineal relatives (spouse, children, parents), the firm may claim exemption.

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Independent contractors who are truly independent. The contractor must control the work method, supply their own tools, and be paid per project rather than hourly wages. Certain agricultural employers. Small farms that hire only seasonal laborers for less than 20 days per year may be exempt. Non‑profit organizations that meet the “public benefit” definition. Some charities can file for exemption if they meet the state’s charitable‑status requirements. Florida employers often wonder whether they can skip traditional workers’ compensation coverage. The state’s statutes carve out specific exemptions for small businesses, certain independent contractors, and families that own the company. Understanding those carve‑outs—what they require, how to document them, and what happens if you misjudge—can save you from costly penalties and uninsured claims.

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