Workers Compensation

 

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Workers' Compensation Coverage Requirements For Employers

Chapter 440, F.S., establishes workers' compensation coverage requirements for employers.

  1. Construction Industry: An employer in the construction industry who employs one or more part or full-time employees must obtain workers' compensation coverage. Sole proprietors, partners, and corporate officers are considered employees. In the construction industry only, members of a limited liability company are considered corporate officers. Corporate officers may elect to exempt themselves from the coverage requirements of Chapter 440, F.S.
    A construction industry contractor, who sub-contracts all or part of their work, must obtain proof of workers' compensation coverage or a Certificate of Election to be Exempt from all sub-contractors, prior to work being done. If the sub-contractor is not covered or exempt, for purposes of workers' compensation coverage, the sub-contractor's employees shall become the employees of the contractor. The contractor will be responsible to pay any workers' compensation benefits to the sub-contractor and its employees.
  2. Non-Construction Industry: An employer in the non-construction industry, who employs four or more part or full-time employees, must obtain workers' compensation coverage. Corporate officers are considered employees, unless they elect to exempt themselves from the coverage requirements of Chapter 440, F.S. Sole proprietors and partners in the non-construction industry are not considered to be employees unless they elect to be employees. The Notice of Election of CoveragePDF, form DWC 251, must be submitted to the Division. Once approved the individual is considered an employee until a Revocation of Election of CoveragePDF, form DWC 251-R is filed with, and accepted by the Division.

For those Employers with a year of previous Workers Compensation Insurance and a good claims ratio, we have Programs that pay Dividends (a way of allowing Insureds to share into the Insurance Company profits).

For those Employers that can not obtain Insurance, we can place them with the Florida Workers Compensation Joint Underwriting Association.

For additional information about Workers Compensation, visit the Links section of our website.