As per Florida law, most employers are required to provide workers' compensation insurance for their employees. This insurance is designed to cover the medical costs and lost wages of employees who are injured or become ill due to their job.
The requirements for obtaining workers' compensation insurance in Florida are as follows:
- All employers who employ four or more employees are required to have workers' compensation insurance. Employers in the construction industry are required to provide workers' compensation insurance even if they employ only one person.
- Employers must purchase insurance from a private insurance company authorized to do business in Florida, or they can self-insure if they meet certain financial requirements.
- Employers must post a notice of compliance with workers' compensation laws in a conspicuous location at the workplace.
It is important to note that certain types of employees may be exempt from workers' compensation coverage, such as independent contractors, domestic employees, and some agricultural workers. Additionally, employers who fail to provide workers' compensation insurance may face legal penalties and fines.
If you are an employee who has been injured on the job and your employer does not have workers' compensation insurance, you may wish to seek the advice of an attorney who specializes in workers' compensation law to explore your legal options.
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