The Top 6 Worker’s Compensation Insurance FAQs for General Contractors in Florida

The Top 6 Worker’s Compensation Insurance FAQs for General Contractors in Florida

As a general contractor in Florida, you need to understand how worker’s compensation works to ensure that your business and employees are covered. To help general contractors understand the basics, we’ve answered the top 6 questions frequently asked by our clients. Who needs workers’ compensation coverage? Workers’ compensation coverage is needed for all construction employers who have one or more employees (including any non-exempt business owners). And, for non-construction employers, four or more employees (which also includes any non-exempt business owners). Trades that are considered to be in the construction industry can be viewed in Florida’s Administrative Code. Do I need worker’s compensation insurance if I hire sub-contractors? Sub-contractors are responsible for their own insurance that will cover workers in the event of a work-related incident. But it is the responsibility of the primary contractors to ensure that the sub-contractor has coverage for its workers. The contractor is responsible for the payment of benefits if a worker is injured without being protected by insurance. What proof does a contractor need from a sub-contractor to verify insurance coverage? For a sub-contractor that has a workers’ compensation insurance policy, before beginning a job the contractor must obtain any of the following: A copy of the ‘information page’ from the insurance policy A screen print from the proof of coverage database confirming that coverage is in effect A Certificate of Liability Insurance along with documentation from either the producer or carrier confirming that workers’ compensation coverage is valid For a sub-contractor that is a client company of an employee leasing company, the contractor needs to obtain: A Certificate of Liability Insurance A...