In Florida, construction businesses with even one employee must carry workers compensation. Certain corporate officers and LLC members can apply for an exemption that removes them personally from coverage. An exemption does not cover employees or subcontractors, so most construction firms still need a workers comp policy.
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Who can get a construction exemption?
Florida allows a limited number of qualifying corporate officers or LLC members with ownership in a construction business to apply for an exemption through the state Division of Workers’ Compensation.
The business must be properly registered and the officer must meet the state’s requirements.
What an exemption does not do
An exemption covers only the named officer. It does not cover employees, helpers or uninsured subcontractors.
If you hire subcontractors without their own coverage or exemption, you may be responsible for their injuries and audit charges.
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Should I carry workers comp even with an exemption?
Many general contractors and property managers require subcontractors to show a certificate of insurance, not just an exemption.
We help construction businesses get compliant coverage at competitive rates.
Frequently Asked Questions
How long does a Florida exemption last?
Construction exemptions are valid for a set period and must be renewed. Check the state’s current rules.
Do non-construction businesses need workers comp?
Generally yes, once they have four or more employees, including part-time workers.
Can an exemption cover my employees?
No. An exemption only applies to the eligible officer named on it.
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