If a private employer has exactly four employees, which statement is true regarding WC?

• A. They are exempt from WC
• B. They must purchase WC
• C. They must have a bond
• D. They need not carry any coverage

Answer: (B)

In Florida, workers’ compensation coverage is mandatory for most private employers that have four or more employees. Four employees meets the threshold, so the employer must obtain workers’ compensation insurance. This coverage can be purchased from a private insurer or obtained through self-insurance if the employer qualifies. There is no general bond requirement for WC, and the company cannot skip coverage simply because it has a small staff. The goal of this rule is to ensure workers receive medical treatment and wage benefits if injured on the job, while providing a predictable framework for employer liability.