As an employer in Florida, you are required to provide workers' compensation insurance coverage to your employees. This is mandated by the Florida Workers' Compensation statute, which applies to all employers who have four or more employees, either full-time or part-time, in their business. Employers in the construction industry must provide coverage to their employees, regardless of the number of employees.
The workers' compensation insurance provides benefits to employees who get injured or become ill as a result of their job duties. It covers medical expenses, disability benefits, and death benefits. Workers' compensation insurance also provides protection to employers by limiting their liability in case an employee gets injured on the job.
In order to fulfill your obligations as an employer, you must obtain workers' compensation insurance from a licensed insurance carrier, self-insurance program, or obtain coverage through the state's Department of Financial Services. You must display the Notice of Compliance poster in a conspicuous location in your workplace, which provides information about your workers' compensation coverage.
It is important to note that failure to provide workers' compensation insurance coverage can result in penalties, fines, and legal liability. If you fail to provide coverage, you may be subject to a stop-work order, which requires you to cease all business operations until you obtain coverage. In addition, an injured employee may file a lawsuit against you for damages, and you may be subject to civil penalties and possible criminal charges.
To ensure compliance with Florida's Workers' Compensation laws, you should consult with a licensed attorney who specializes in workers' compensation law. They can provide guidance on your obligations as an employer, answer any questions you may have, and help you obtain the required insurance coverage.
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