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IF self employed in Florida as a handyman do you require workers compensation?

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If you are the only worker, the answer is "no".
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Are you required to have 401k if you are self employed?

Absolutely not. Nobody is required by law to have a 401k. However, it is always a good idea to be saving for retirement and that is exactly what a 401k will help you do.

How exactly does workers compensation work?

Workers compensation provides a set amount of money to the worker and/or his family in case of injury or death. The amount depends on the injury of the worker.

What kind of insurance does a self employed contractor need?

A self employed contractor general liability ins., Workers comp  if a corporation, but whoever is the bond company they should be  able to assist in insurance coverage for t