Yes, several Southeast states impose stricter workers’ comp requirements on construction businesses. Tennessee requires all construction employers to carry coverage regardless of employee count, while non-construction businesses need 5+ employees. Florida requires construction businesses to have coverage starting with just 1 employee (vs. 4+ for non-construction).
Construction also faces significantly higher premium rates — typically $4-$10 per $100 of payroll for general construction and $8-$20 for roofing. Safety programs, fall protection training, and proper subcontractor insurance verification are critical for managing costs. Get a construction workers’ comp quote from Bridgeway Insurance.
