There are new Florida requirements (SB 50A) regarding the Workers Compensation Exemption for both Construction Industry companies and Non-Construction Industry companies. (READ ABOUT IT BELOW)
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Is the employee you are considering hiring at your Florida business a potential workers compensation claim risk to your company?
Employees 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 employee.
How can you find out if your prospective Florida employee has such a history of filing workers compensation claims?
Search the Worker’s 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?
Search the Proof of Workers Comp coverage database >
Florida 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 insurance.
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.
2. 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 here for info.
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