Understanding Vacation Home Insurance: Protecting Your Second Home in the USA Florida law requires certain types of insurance depending on your business structure and workforce: Workers’ Compensation Insurance Required if you have: 4 or more employees (non-construction businesses) 1 or more employees (construction businesses) Commercial Auto Insurance Required if your busines... https://www.insuracarelife.com/blog/understanding-vacation-home-insurance-protecting-your-second-home-in-the-usa/