Get Worker’s Compensation Insurance as a Contractor 

As most people know, a contractor’s job is surrounded by potentially dangerous situations. From heavy machinery to tools, contractors have a higher risk of getting in an accident than say someone working at a computer all day. With that said, workplace accidents can happen to anyone at any time in any place.  

Since accidents can happen whenever, it’s important for you to get worker’s compensation insurance. If not you, make sure your boss (or employer) has worker’s compensation for you. Make sure you or your employer’s worker’s compensation insurance is updated and enough coverage. Florida’s insurance coverage requirements are always in effect for active licenses, regardless if there is a current project going on or not. 

When you get your Florida contractor’s license, the state gives licensees a 30-day period from when your license was issues to get worker’s compensation insurance or an exemption. Exemptions are used when a licensed contractor has no employees. Whether you plan to work a job immediately or not, you still need to get coverage right away to avoid fines and penalties.  

 If your contractor license is in an active status, you are required to be properly insured, so make sure your status is inactive if you plan on not working. 

Besides keeping yourself safe and giving clients peace of mind, why well is worker’s compensation important. Well, this insurance is required to pull permits, so remember to keep your coverages updated and make sure you are covered in all ways you’re legally supposed to be. Otherwise, you won’t be able to fully do your job as a contractor.  

If you have any questions about worker’s compensation insurance, exemptions, or other types of insurance for Florida contractors, we can help point you in the right direction, and help give you a possible insurance referral.  

 If you’re looking to get a Florida contractor’s license, we can help you start the contractor licensing process today. We make the process easy and quick. 

We know how to properly fill out forms and file to ensure your application will go through and not get denied by the licensing board.  

We look forward to working with you! Contact us by visiting our Florida contractor’s license page or calling us at 239-777-1028.