If you are a corporate officer or sole proprietor in a non-construction business in Florida, you can choose to exempt yourself from required Workers’ Compensation coverage. In most other cases, workers compensation coverage is required for all employees.
In Florida, a sole proprietor in a non-construction business is not considered to be an employee and therefore is exempt from coverage. However, you can choose optional Workers' Compensation coverage as an employee.
CoverWallet can help you get required Workers' Compensation coverage as well as other essential insurance coverages. The Florida Workers' Compensation Joint Underwriting Association can also be an option. However, the FWCJUA limits its focus to Workers' Compensation coverage.
Workers' Compensation coverage in Florida provides several benefits for injured employees, including payment of medical expenses for doctor visits, surgery or hospital care, home nursing, and medications. If the employee qualifies, lost wages are often paid as well at a reduced rate. Rehabilitation is another offered benefit along with reemployment services if needed.
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Being a small business presents several challenges that may need more assistance. While CoverWallet provides you the best insurance, you can also consider these references to further support your small business:
The content provided on this page is intended for general information purposes only and is not represented to be error free nor is it intended to constitute an offer, inducement, promise or contract of any kind for you to rely upon. The information and data linked to by CoverWallet are provided as a courtesy and are not intended to nor do they constitute an endorsement by CoverWallet of the linked materials. To get accurate information for your business and industry we recommend you to contact a licensed insurance agent or attorney.
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