How many people can a private employer hire before they are required to purchase WC?

How many people can a private employer hire before they are required to purchase WC?

• A. 1
• B. 4
• C. 12
• D. 8

Answer: (B)

In Florida, private employers must have workers’ compensation insurance once they hire four or more employees. So you can hire up to three people without WC, but when the fourth employee is brought on, coverage becomes mandatory. The other options don’t represent the trigger: a single employee generally doesn’t trigger it, while eight or twelve would already exceed the threshold and require coverage as well—four is the point at which the requirement begins. Some exemptions and voluntary purchase options may apply in certain situations.

In Florida, private employers must have workers’ compensation insurance once they hire four or more employees. So you can hire up to three people without WC, but when the fourth employee is brought on, coverage becomes mandatory. The other options don’t represent the trigger: a single employee generally doesn’t trigger it, while eight or twelve would already exceed the threshold and require coverage as well—four is the point at which the requirement begins. Some exemptions and voluntary purchase options may apply in certain situations.