Is the employee you are
considering hiring at your Florida business a potential workers
compensation claim risk to your company?
with a long history of filing workers compensation claims with the same
employer or over multiple employers can be a considerate risk to your
business in the sense that your Florida company's worker compensation
insurance premiums could be increased as a result of hiring such an
How can you
find out if your prospective Florida employee has such a history of
filing workers compensation claims?
Compensation Database of Claims >
Maybe you'd like to find out if the company you're working with or about
to employ has a current workers comp policy... How would you go about
finding out about their workers comp policy?
Workers Comp coverage database >
Workers Compensation Insurance Laws
1. What Florida businesses are
required to have Florida Workers Compensation Insurance?
Any Florida employer with four or more
full or part-time employees must provide workers' compensation
If your company is in the construction
industry and you employ even one employee full or part-time you must
carry workers compensation insurance.
Florida State and local governments are
required to carry workers' compensation insurance.
Farmers (Agricultural engineers) who
have more than five regular employees and/or twelve or more additional
workers for seasonal agricultural labor lasting thirty (30) days or more
are also required to carry workers' compensation coverage.
Can any Florida company get an exemption from covering their company
with Florida workers compensation Insurance?
Officers of Florida corporations
registered with the Florida Department of State, Division of
Corporations, can choose not be covered under the company's worker's
compensation plan. Proof of eligibility is required.
Construction industry corporate officers
- including LLC's can apply for an exemption from workers compensation
insurance requirements if the individual owns a minimum of 10% of the
corporate stock as evidenced by a Florida corporate stock certificate.
If your construction company is an LLC
you can show a notarized statement of 10% corporate ownership as proof.
Florida Workers Compensation Forms
Florida Department of
Insurance Forms Link This is headquarters for Florida workers
compensation forms. Everything you could possibly need is here.
The DWC 250 form is no longer accepted as a paper
submission and must be done online. See
http://www.myfloridacfo.com/wc/exemption.html for info.
Business Bureau Approved.