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Be aware that there are exemptions to the state law, such as: Agricultural employers, unless they have three or more employees working more than 35 hours a week for 13 weeks. Domestic workers, like housekeepers. Partners and officers of a partnership and corporation.
Florida's workers' compensation law does not allow for independent contractors in the construction industry. The person is either a business owner or an employee of a business.
No, in most cases, independent contractors working for your business do not require workers' compensation insurance.
A person who owns a business alone is a sole proprietor, which means that the business is not a partnership, limited liability company (LLC), or corporation. Since a sole proprietor is not employed by another person, they are not required to have workers' compensation insurance.
Corporations, limited liability companies and partnerships must either have a workers' compensation policy or a Notice of Exclusion Form, WC-337, on file with this office. The owner(s) are considered an employee(s) of the business.