Florida Workers' Compensation Insurance
Is Workers' Compensation Required in Florida?
Florida's market is private. Florida law states that workers’ compensation insurance is required when a business has four or more employees, either full- or part-time.
The following are special considerations for some employees:
Your insurance coverage only applies within the state, however there are several other states for temporary out-of-state work. Further more, many insurance companies will issue their policies with an All States Endorsement, which allows for coverage to apply in any non-monopolistic state for temporary work or business-related travel outside of Florida.
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How does Workers' Comp work in Florida?
If an employee is injured on the job, it’s likely that costs will be incurred that need to be covered by workers' comp insurance. Costs could include:
After an injury or illness, the employee can make a claim against the employer's Workers' Compensation insurance policy. If accepted by the insurance company, the employee could receive funds to cover medical expenses and a disability payment plan.
When should an employee file a workers’ comp claim?
An employee should file a workers’ compensation claim if injuries were sustained on the job or within the scope of employment. This includes occupational accidents, diseases, trauma injuries, or illness caused by exposure to work activities or chemicals.
In order to file a claim, all of the following must be true:
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If you are an officer of a corporation or a member of a limited liability company then you can exclude yourself from Workers' Compensation laws. You will have to obtain a Certificate of Election then complete and submit a Notice of Election Form to be Exempt. Because the member or officer is not an employee they will not be allowed to receive workers' comp benefits.
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Here's what you need
To obtain Workers' Compensation Insurance, you will need to request a quote from a licensed insurance agent and provide some extra information about your business.