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Grizzly · Guest

Worker's Comp Info Needed -Florida

Roof Cleaning Kissimmee FL 407-452-4526 · Guest

I'm trying to find the link to the Florida Statutes .. but I know that if you have 4 employees or less you (including yourself) can file for a WC exemption. Even though you are legally exempt, many companies still require that you have it to work on a commercial contract. It is their discretion. Also I believe that officers of a company are exempt.
I'm sure AC could chime in here. He knows far more than I about FL regs.

-- Edited by Prime Choice Power Wash on Monday 2nd of August 2010 05:12:17 PM

Roof Cleaning Kissimmee FL 407-452-4526 · Guest

Click Here for the latest information.

-- Edited by Prime Choice Power Wash on Monday 2nd of August 2010 05:17:01 PM

Grizzly · Guest

Thanks Prime, I was reading that earlier. Here is an excerpt:

"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."

After I had just read that section, I called Tallahassee to verify and they said it is required for a roof cleaner to carry comp...doesn't matter if there are employees or not! I believe she said that just because I used the word "roof." So, if I'm a mailbox cleaner, it's not required. Again, why do commercial jobs require comp? Thanks -Clay

NoPressure · guest

its just another way for the state to make money! Plus good luck trying to get it because you dont have 4 employees and its gonna be super expensive. try this call a payroll company in your area and set up payroll with them cause it will be included, or your liability insurance company and say i plan on do 50,000 next year. its based of gross sales or gross labor wage!!!

Grizzly · Guest

That's not a bad idea. Anybody else?

AC Lockyer · none

Grizzly wrote:

Hey guys. I need some help on worker's comp in FL. I thought the purpose of comp was to aid injured employees and protect employers from being sued. So, why do most commercial jobs require a service contractor to carry comp? Does it protect the business from being sued in the event the employer/employee is injured on the job? I plan to set up my business as a sole proprietorship. It will be owned/operated by only myself and do not plan to hire any employees for the time being. I called Tallahassee and they said it's required that I have it! Even with no employees! Like stated previously, I thought it's purpose is to aid injured workers and protect employers. What am I missing here? Also, how expensive is it per $100 for a roof cleaner. It just may be worth having so I can pick up some commercial jobs. Any info is much appreciated! Thanks -Clay

Ya hey Griz, give me a call sometime. Ill be happy to help. I also have some options for comp that may fit the bill.

AC

Baltimore MD Roof Cleaning 410-482-4367 · guest

Commercial clients require comp in order to protect their business from your potential mistakes/ injuries.

Yes you may not always require it as a certain size company, but if a worker gets injured and you do not have it you will be required to after the injury. At least that is what happened in my friend Chimney sweeping business with 3 employees.

he was 11 years in business and a worker fell and was seriously injured.

180k settlement for medical and lost time after a pending law suit.
1k fine from the Department of labor licensing and regulation in MD
now pays a comp rate that would have been much lower.

He is 18 years in business and just finished paying off the 180k settlement!! His comp rate is through the roof.

We have comp :) and we are happy to have it.

The Roof Cleaning Institute Of America Training & Certification Forum "Find A Certified Roof Cleaner Directory"

The Roof Cleaning Institute Of America Training & Certification Forum
"Find A Certified Roof Cleaner Directory"