COLLIER COUNTY, Fla. - In the state of Florida, Workers Compensation Insurance is required for everyone in the construction industry. It doesn't matter how many employees there are or how many hours they work. But not everyone is following state laws.

"Business owners, especially small business owners, as many the owners told me, the coverage is rather expensive and it's difficult to maintain when you have a small business," said Detective William Quick.

These seven men were arrested this week for failing to show proof of coverage, which is a third degree felony.

"They were a little bit shocked though with the arrest aspect," said Detective Quick.

Detective William Quick with the Division of Insurance Fraud said those who don't have insurance, run the risk of being arrested and there's always the chance one of their employees will be injured on the job.

"The problem arises when companies don't secure the coverage and workers are injured, then obviously those costs are passed on in a variety of different ways to different persons," said Detective Quick.

And that includes the homeowner, who Detective Quick said can also be held responsible for a workers injuries.

"Absolutely, in today's society, the litigation world that we live in, the homeowner could have some liability down the road, in the form of some liens being placed upon them if things happen on their property or their homeowners insurance may be liable in some way."

Detective Quick said most people don't check if a company is licensed or if they even have insurance coverage. And unlike the business owners who can be criminally prosecuted, homeowners can face civil lawsuits if someone is hurt on their property and there is no Workers Compensation Insurance in place.