Which market provides coverage for employers who struggle to secure workers' compensation coverage?

The market that provides coverage for employers who struggle to secure workers' compensation coverage is the Florida Workers' Compensation Joint Underwriting Association (FWCJUA). This association is specifically designed to help employers who are deemed "high risk" or who have been unable to obtain workers' compensation insurance in the voluntary market. The FWCJUA operates as a type of last resort, allowing these employers to obtain the required coverage and ensuring that they can meet their legal obligations to provide workers' compensation for their employees.

The role of the FWCJUA is crucial in maintaining workplace safety and protecting employees’ rights, as it helps ensure that all employers can purchase coverage even if they are unable to do so through standard insurance providers. This helps to uphold the integrity of the workers' compensation system in Florida.

In contrast, other options do not serve the same purpose. For instance, the Florida Automobile Joint Underwriting Association (FAJUA) primarily deals with auto insurance, Citizens is a market of last resort for property insurance, and the Florida Workers Compensation Fund is not a specific entity that caters to high-risk employers in need of workers’ compensation coverage.