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Q: Who needs Workers' Compensation coverage?
A: If you are in an industry, other than construction, and have four (4) or more employees, full-time or part-time, you are required to carry workers' compensation coverage (an exempted corporate officer does not count as an employee).
If you are in the construction industry, and have one (1) or more employees (including yourself), you are required to carry workers' compensation coverage (an exempted corporate officer or member of a limited liability company does not count as an employee).
If you are a state or local government, you are required to carry workers' compensation coverage.
If you are a farmer, and have more than five (5) regular employees and/or twelve (12) or more other workers for seasonal agricultural labor lasting thirty (30) days or more, you are required to carry workers' compensation coverage.
If you have additional questions, contact the Customer Service Unit at (850)413-1601. Reference: Section 440.02(17), Florida Statutes.
Q: How does an employer obtain workers' compensation insurance?
A: You have several options:
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By purchasing a policy from an insurance agent that represents approved insurance companies.
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From the Joint Underwriting Association (JUA), (941)378-7400
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By qualifying as an individual self-insured; for additional information, contact the Division of Workers' Compensation at (850)413-1798.
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Or, an employer may contract with a professional employer organization (employee leasing) that has secured workers' compensation coverage.
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Reference: Section, 440.02, Florida Statutes
For more details, click here.
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