Florida Insurance Licensing Practice Exam

Which of the following employees must NOT necessarily have workers compensation?

1. Government employees

2. Professional athletes

3. Construction industry workers in companies with 1 employee

4. Private employers with 4 or more employees

The correct answer is: Professional athletes

Professional athletes are not required to have workers compensation because they are covered by their own insurance policies, which usually include coverage for any work-related injuries. All other options are incorrect as they fall under the requirements of workers compensation coverage. Government employees are covered by their employer's insurance, construction industry workers are required to have coverage regardless of the number of employees, and private employers with 4 or more employees are also required to have coverage. In summary, professional athletes are the only group that is not mandated to have workers compensation.