Florida Workers Compensation (work comp) and Employers Liability Insurance

Florida Workers Compensation & Employer Liability Insurance | SFCINS | Miami

Are You Looking For Workers Compensation Insurance?

Are you being non-renewed or canceled? Problems with claims, high experienced mod, risky line of business, or gap in coverage?

No Problem. We can write you a Policy.

No PEO or Payroll Service.

Keep your Accountant.

Workers’ Compensation (work comp) and Employers Liability Insurance Coverage Requirements For Employers

Chapter 440, F.S., establishes workers’ compensation coverage requirements for employers.

1. 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 officers are considered employees. In the construction industry only, members of a limited liability company are considered corporate officers. Corporate officers may elect to exempt themselves from the coverage requirements of Chapter 440, F.S.

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 subcontractor’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.

2. 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. Corporate officers are considered employees unless they elect to exempt themselves from the coverage requirements of Chapter 440, F.S. Sole proprietors and partners in the non-construction industry are not considered to be employees unless they elect to be employees. The Notice of Election of CoveragePDF, form DWC 251, must be submitted to the Division. Once approved the individual is considered an employee until a Revocation of Election of CoveragePDF, form DWC 251-R is filed with, and accepted by the Division.
For those Employers with a year of previous Florida Workers Compensation (fl work comp) Insurance and a good claims ratio, we have Programs that pay Dividends (a way of allowing Insureds to share into the Insurance Company profits).

For those Employers that can not obtain Insurance, we can place them with the Florida Workers Compensation Joint Underwriting Association.

For additional information about Workers Compensation and Employers Liability Insurance, visit the link below:

http://www.myfloridacfo.com/division/wc/

“This information is not an offer to sell insurance. Insurance coverage cannot be bound or changed via submission of online form/application, e-mail, voice mail or facsimile. No binder, insurance policy, change, addition, and/or deletion to insurance coverage goes into effect unless and until confirmed directly with a licensed agent. All coverages are subject to the terms, conditions and exclusions of the actual policy issued.”

“Please contact our office at 305-819-8618 to discuss specific coverage details and your insurance needs. In order to protect your privacy, please do not send us your confidential personal information by unprotected email. Instead, discuss that personal information with us by phone or send by fax.”

“Statements on this website as to policies and coverages and other content provide general information only and we provide no warranty as to their accuracy. Clients should consult with their licensed agent as to how these coverages pertain to their individual situation. Any hypertext links to other sites or vendors are provided as a convenience only. We have no control over those sites or vendors and cannot, therefore, endorse nor guarantee the accuracy of any information provided by those sites or the services provided by those vendors.”

“Information provided on this website does not constitute professional advice. If you have legal, tax or financial planning questions, you need to contact a qualified professional.”

8181 NW 154 Street Ste. 270 Miami Lakes, FL 33016, (305) 819-8618

Designed & Developed By Netlynx Inc.