Who needs Workers Compensation coverage?
• If you are in an industry, other than construction, and have four (4) or more employees, full-time or part-time, you are required to carry workers’ compensation coverage (an exempted corporate officer does not count as an employee). • If you are in the construction industry, and have one (1) or more employees (including yourself), you are required to carry workers’ compensation coverage (an exempted corporate officer or member of a limited liability company does not count as an employee). • If you are a state or local government, you are required to carry workers’ compensation coverage. • If you are a farmer, and have more than five (5) regular employees and/or twelve (12) or more other workers for seasonal agricultural labor lasting thirty (30) days or more, you are required to carry workers’ compensation coverage. If you have additional questions, contact the Customer Service Unit at (850)413-1601. • Reference: Section 440.02(17), Florida Statutes.
Minnesota Workers’ Compensation law states all employers are required to purchase workers’ compensation insurance or become self-insured. This is often referred to as “mandatory coverage.” Employers are generally defined as those that hire another to perform services. Employees are generally defined as people performing services for another, for hire, including minors and workers who are not citizens. The Claims Services and Investigations unit investigates employers that may not have carried workers’ compensation insurance coverage for employees. Results of these mandatory coverage investigations may be referred for civil penalty action (see Fines and penalties for failure to insure). The investigation establishes the time frame for the violation, the number of employees involved, the type of work performed and the associated payroll amounts. More information about workers’ compensation coverage is available as a DLI General Counsel information sheet. If you have questions regarding t
