Per the State of Florida guidelines located on the Florida Division of Workers Compensation website, workers compensation coverage requirements vary from construction to non-construction and agricultural industry and out-of-state 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 and corporate office are considered employees. In the construction industry ONLY, member of a limited liability company are considered corporate employees. Corporate officers may elect to exempt themselves. 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.
For more information on WC coverage requirements, visit http://www.myfloridacfo.com/wc/employer
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