How many employees must a business have to be required to carry Workers' Compensation insurance?

In Florida, the requirement for businesses to carry Workers' Compensation insurance is specifically governed by the number of employees and the type of industry. A business is mandated to have this insurance if it has four or more employees in most industries, or if it has just one employee in the construction sector. This regulation is in place to ensure that workers are protected in the event of job-related injuries or illnesses, providing necessary medical care and compensation for lost wages.

The choice mentioning four or more employees or one in construction accurately reflects Florida's legal requirements and serves to protect workers in a high-risk field that includes physical labor. It provides a critical safety net for employees who might be vulnerable to workplace accidents.

Understanding this requirement is essential for business owners to ensure compliance with state laws, protect their employees, and avoid heavy fines or penalties for non-compliance. The other options presented do not accurately reflect the regulations set forth by Florida law regarding Workers' Compensation insurance requirements.