And even if they do, their medical bills are bound to be less than the cost of the premiums, right? It sounds like a good idea in theory, but there are way too many ways that this situation could go wrong. So what happens when your employee loses a limb or when they experience complications from the injury weeks, months, or years later? Those medical costs add up quickly. But your employee does not become an independent contractor just because you say she is.
So not only could your uninsured independent contractors still sue you if they are injured on the job, your insurance carrier will also charge you a premium for your uninsured independent contractors when they audit your policy each year. In absolutely perfect circumstances, this scenario checks out. In addition, workers compensation will not be paid in Florida if the injury is caused primarily because the employee was intoxicated or under the influence of drugs.
Self-insured businesses in Florida can also get these credits. Each of these programs must be renewed every year. You can get workers compensation insurance in Florida by contacting a business insurance agent. There is no need for Florida employees to worry about paying any part of a workers compensation premium. Reporting Workers Comp Injuries Florida employees are encouraged to report work-related incidents involving injuries and illnesses as soon as they occur.
By Florida law, employees are required to report work-related injuries and illnesses within 30 days to their employers. By Florida law, employers have seven days to make this report from the time they become aware of the illness or injury.
Most insurance companies have a toll-free number to report work-related injuries and illnesses. The employer also needs to fill out a first report of injury or illness form and send it to the insurance company.
As soon as the employer notifies the insurance company about the work-related injury or illness, the insurance company may:. Lucy Lazarony is a personal finance writer and journalist. Prior to freelance writing, she worked as a staff writer for Bankrate for seven years. She earned a bachelor's degree in journalism from the University of Florida and spent a summer as an international intern at Richmond, The American University in London.
She lives in South Florida. Select Region. United States. Specific employer coverage requirements are based on the type of industry, number of employees and entity organization. To determine coverage requirements for a specific employer, the following information is provided by the Bureau of Compliance. Need assistance? Call , Email or Visit Us. Construction Industry - One 1 or more employees, including the owner of the business who are corporate officers or Limited Liability Company LLC members.
Benefit Calculators. Report Suspected Non-Compliance. Out-of-State Contractor Information. For more complete information please review 69L Public Records Requests. General Correspondence. The list of trades that are considered to be in the construction industry is found in 69L Yes, each sub-contractor is responsible for providing Workers' Compensation insurance for their workers in the event of a work related injury, illness, or fatality. However, the primary contractor is responsible for ensuring that the sub-contractor has provided the coverage for its workers.
If a worker is injured, without being protected by insurance, then the contractor becomes responsible for the payment of benefits. For more information please review Section What does the contractor need to obtain from the sub-contractor to verify coverage? If the sub-contractor is a client company of an employee leasing company, you must obtain a Certificate of Liability Insurance and a list of the employees leased to the subcontractor obtained from the employee leasing company as of the date the subcontractor commenced work for the contractor on each project.
What should an Out-of-State Employer know about Florida's coverage requirements? An out-of-state employer engaged in the construction industry must immediately notify his or her insurance company and, or insurance agent that it has employees that are engaging in work in Florida. Any construction industry employer having one or more part- or full-time employees performing work in Florida is required to obtain a Florida policy through a Florida-licensed insurance company.
The employer must use the Florida job classification codes, approved rates, rules, and manuals prior to beginning work in Florida. If the construction industry employer has an out-of-state policy, the insurance company must be licensed in Florida, and Florida must be listed in Section 3A of the policy.
A Non-construction industry employer is required to obtain a Florida policy through a Florida-licensed insurance company once it has 4 or more employees working in Florida. For more information, please review Section If an Out of State Employer is working in Florida temporarily, what do they need to do? And what is Extraterritorial Reciprocity? Out-of-state employers whose home jurisdiction has in its statute an "extraterritorial reciprocity" clause allowing temporary employees from another jurisdiction including Florida to work under the "home state's" workers' compensation policy are permitted to work in Florida using the workers' compensation policy from their "home state", as long as the work is temporary in nature.
Temporary is defined as no more than 10 consecutive days with a maximum of 25 total days in a calendar year. Contact an insurance agent. You can also contact the following insurance agent associations: Florida Association of Insurance Agents at www. By qualifying as an individual self-insured; for additional information, contact the Division of Workers' Compensation at
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