Here at 3A Allied Insurance we can handle a variety of businesses to ensure that you are covered for the workers compensation in your particular field of business. Many times it may seem difficult to secure workers compensation as there are many obstacles or questions that need to be answered in order to secure a quote; however, our qualified representatives are diverse in this field of insurance and will assist you in your insurance needs.
Coverage Requirements For Employers
Chapter 440, F.S., establishes workers’ compensation coverage requirements for employers.
- Construction Industry: An employer in the construction industry who employs one or more part or full-time employees must obtain workers’ compensation coverage. Sole proprietors, partners, members of a limited liability company (LLC) who owns at least 10% of the business, and corporate officers are considered employees. Corporate officers, and members of an LLC who own at least 10% of the business, may elect to exempt themselves from the coverage requirements of Chapter 440, F.S.
A construction industry contractor, who sub-contracts all or part of their work, must obtain proof of workers’ compensation coverage or a Certificate of Election to be Exempt from all sub-contractors, prior to work being done. If the sub-contractor is not covered or exempt, for purposes of workers’ compensation coverage, the sub-contractor’s employees shall become the employees of the contractor. The contractor will be responsible to pay any workers’ compensation benefits to the sub-contractor and its employees.
- Non-Construction Industry: An employer in the non-construction industry, who employs four or more part or full-time employees, must obtain workers’ compensation coverage. Corporate officers and members of an LLC who own at least 10% of the business are considered employees, unless they elect to exempt themselves from the coverage requirements of Chapter 440, F.S. Sole proprietors and partners in the non-construction industry are not considered to be employees unless they elect to be employees. TheNotice of Election of Coverage, form DWC 251, must be submitted to the Division. Once approved the individual is considered an employee until a Revocation of Election of Coverage, form DWC 251-R is filed with, and accepted by the Division.
- Agricultural Industry: Agricultural employers with six or more regular employees and/or 12 or more seasonal employees, who work for more than 30 days, must obtain workers’ compensation coverage for those employees.
Notice Posting Requirement
The “Broken Arm Poster” and the “Anti-Fraud Notice” should be posted in a conspicuous place and should identify the name of the insurance company providing coverage and where to call to report an accident or injury. The employer should contact the insurance company to obtain the poster and the notice.
- All-In-One Broken Arm poster: English | Spanish
- Anti-Fraud notice
- See the Agency for Workforce Innovation for a listing of Federal and State poster and notice requirements.
Information derived from the division of works compensation (State of Florida)