Bonnie, the owner would not have to carry workers compensation if your husband was an "exercise rider", (it's an exception) or if the employer did not have at least four W-2 employees. The owner probably does carry liability insurance, but you would need to show that he was negligent and that caused the injuries to your husband. How was he hurt? Did the owner do anything negligent to contribute to this accident? I recommend you retain an attorney in the Orlando/Sanford area who is experienced in both workers compensation and liability/personal injury law. The consultation should be free, and you should review the AVVO profiles for client reviews and the AVVO ratings to find the right attorney for you. I hope this was helpful.
Mr. Bilaky has given you good advice. If your husband was not an exercise trainer and his employer had more than four employees, there are numerous ramifications the employer may be subject to which an experienced attorney will inform you of and advise as to your options. Best if luck.
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As my colleague has stated, WC probably won't apply. However, you probably should speak to a workers compensation attorney/personal injury attorney for a consult as more facts are obviously needed to better advise your husband if he has a WC and/or personal injury liability claim.