How much insurance does a Employer need in Florida?

Florida typically requires Employers to carry at least $300,000–$1,000,000 in general liability coverage, though contract and permit requirements often demand higher limits. Workers' comp is mandatory if you have employees in most states.

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Florida · Employer

Florida Employer Bond and Insurance Requirements 2026

Florida requires Employers to carry specific minimum insurance and bonding before pulling permits or signing contracts. Operating without required coverage can void contracts, expose you to unlimited personal liability, and trigger license suspension.

Minimum coverage requirements

General liability insurance (minimum limits vary by license class)
Workers' compensation if you have any employees
Contractor license bond (amount set by state licensing board)
Certificate of insurance filed with licensing authority
Additional insured endorsements often required on contracts

What happens if you miss this?

Regulators in Florida do not proactively warn businesses before enforcement. Fines, stop-work orders, license suspensions, and legal liability typically arrive without advance notice. Staying current is the only reliable protection.

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