Employers Required to Have Workers' Compensation Insurance
Coverage requirements vary among businesses. Employees in the construction industry, for example, are much more at risk of an on the job injury.
Therefore, Florida requires construction companies to provide coverage even if they have one employee.
Your employer must provide workers compensation insurance coverage if they are:
Exempt EmployersThe process of electing to be exempt from workers' compensation coverage is detailed in Florida statute 440.05 . If your employer's business or company is small enough to be within the limits for not providing workers' compensation coverage, they have to notify the state. To register as a workers' compensation exemption, an officer of the corporation must register the business in writing with the Florida Department of State, Division of Corporations. If the company is in the construction injury, they must also pay a $50 fee, which is used for conducting audits.
The Florida Division of Workers' Compensation routinely does field inspections to ensure that employers are providing workers' compensation insurance coverage for employees that are qualified to receive it. Even if the company isn't required to have workers' compensation coverage, they can be fined if they don't follow the appropriate workers' compensation exemption protocol.
How an Attorney Can Help
Workers' compensation law is complicated and unclear at times. A work comp lawyer can explain the system to you in clear terms and let you know if your employer is required to protect you with a workers' compensation insurance policy.
Workers' compensation exemption is important for employers and employees to understand. To discuss your on the job injury during a free consultation with an experienced attorney, call the Coye Law Firm immediately. Our staff wants to help you recover the most benefits you can under Florida's workers' compensation system. contact us today.