Florida workers comp exemptions belong to the person
A Florida workers’ compensation exemption does not cover a whole company. It applies only to the named company officer or LLC member and the business on the form.
That person gives up workers’ compensation benefits for work done under the exemption. Other people on the crew may still need coverage. The form also does not prove that the person has a contractor license.
Construction and non-construction work use different limits. A construction applicant must usually own at least 10% of the company. No more than three officers or members may hold exemptions across linked construction firms. Other types of firms have their own limits, so use the DFS page that fits the work.
Before the job starts, search for the named person. Match the company, start date, and end date with the bid. An exemption lasts two years unless it ends sooner. Next, check the company’s separate coverage record and any license needed for the job.
If the names do not match, ask who will perform the work and how each person is covered. That pause is more useful than treating one form as a blanket answer.
Official sources
- Florida DFS - Workers Compensation Exemptions
- Florida DFS - Construction Exemptions
- Florida DFS - Non-Construction Exemptions
- Florida DFS - Exemption Search
Last checked against these sources: July 27, 2026.
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