Paper man under an umbrella with Workers Compensation note underneath. Photo: zimmytws/Shutterstock.com. All non-construction industry employers must have workers’ compensation coverage if they employ four or more employees, including any non-exempt business owners. (Photo: zimmytws/Shutterstock.com)

As a small business owner, the rules of Florida Workers’ Compensation can be overwhelming and confusing and may not even arise until an employee, or former employee, files a claim for benefits.

It is best practice to have policies in place so that if you are ever faced with a claim for workers’ compensation benefits, you can limit exposure as much as possible.

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