Florida construction workers are either business owners or employees, and most all are required to secure workers’ compensation, which covers benefits for job-related employee injuries. Up to three officers in a single business corporation can obtain a Florida workers’ compensation exemption. However, it’s not allowed for construction businesses that are simply looking to for a way around paying workers’ compensation insurance premiums. More often than not, that’s the case, though our Miami workers’ compensation attorneys have found in these cases, it’s more likely the employer failed to file for a Florida workers’ compensation exemption at all.
Furthermore, even when a company files for Florida workers’ compensation exemption, it does not exempt them from liability under the state’s workers’ comp laws. First of all, as noted by the Florida Office of Insurance Regulation, the state requires all employer/ businesses to purchase workers’ compensation coverage with very few exceptions and stipulates workers’ compensation is the sole remedy for employees who have suffered a work-related injury. In turn, these businesses become immune from most injury lawsuits employees might otherwise be entitled to bring. Workers’ compensation covers benefits like medical expenses, disability and death.
Although the law requires most non-construction industry businesses to secure workers’ compensation if they have four or more employees – including those who work part-time. In the construction industry, you must secure workers’ compensation insurance if you have one or more employees. As our Miami workers’ compensation attorneys can explain, this is due to the fact construction work is well-established to be incredibly risky, and on-the-job injuries tend to be more common than in other professions. The likelihood one will need to claim workers’ compensation is higher. Continue reading →