Workers compensation laws were created to ensure that employees who are injured on the job are provided with compensation when they have a work-related injury. … As protection for employees, Florida requires that employers carry Workers Compensation Insurance if there are 4 or more employees. In addition, some contracts will require coverage even if there are less than 4. First Solution Insurance has access to multiple workers compensation markets including employee lease back options if your business involves a high-risk trade. One of our goals is to help you find all applicable discounts and determine the correct classification for each of your employees. As your business grows we will be available to help you keep your policy up to date with the current employee census and make sure you are not paying for people you don’t have.