Q: I am trying to start off as an electrical contractor in Florida. Do i need Worker's Comp if it is just me?
I am unclear through talking to the state and reading. I am the owner, but i am going to do work. It sounds like the WC exemption is for officers only (people who stay in an office, not in the field) Everyone in the field tells me i dont need it, but the law seems to say that i do. The reply from the state was just recitation of the law(see reply below)
Good morning Eric,
In the construction industry, if there is one (1) or more employees, including the owner there must be a workers' compensation insurance policy.
Corporate officers or Limited Liability Members (LLC) have the option to apply for exemption by completing and filing with the Division of Workers' Compensation the DWC 250-Notice of Election to be Exempt form. The owner of the business would be considered an employee until a Notice of Election to be Exempt and supporting documentation required by Statute is filed with and approved by the Division.
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