Orlando Florida insurance

Orlando Workers Compensation for the Construction Industry

As you can imagine, a typical construction site in Orlando, Florida is enveloped in hazards. Simply taking a few steps though a worksite exposes you to numerous dangers. Ladders, tiles, heavy machinery; it’s no wonder the construction industry has a high frequency of workers compensation claims. According to the Occupational Safety and Health Administration (OSHA), the four common risks Orlando contractors face are related to equipment, heights, uneven surfaces and constantly changing surroundings.

Imposed by the Florida Department of Financial Services, Chapter 440, F.S., “an employer in the construction industry who employs one or more part of full-time employees must obtain workers’ compensation coverage. Sole proprietors, partners, and corporate officers are considered employees. ”

Unlike many states, Florida’s definition of the term, employee, is broad and includes more individuals. Take a look at the last sentence of the previous paragraph; it discerns that employees also include sole proprietors, partners, and corporate officers.

The construction industry’s infrastructure greatly differs from a standard suit and tie business. Numerous projects in different sites for a specific amount of time require the employment of full-time employees and independent contractors. Because of this slightly complex infrastructure, it’s essential for all owners of Orlando construction businesses to distinguish which types of independent contractors Florida’s Workers Compensation Act covers. According to Florida Statutes, Workers’ Compensation, Chapter 440, Title XXXI; a covered independent contractor must at least meet four of the criterion presented in I-VI.

At Newman Crane, helping the Orlando construction industry protect their business from the financial consequences of workplace injuries with Workers Compensation insurance while promoting workplace safety is one of our specialties. We work with the best carriers around to find you the most comprehensive coverage at the most affordable rates. For a rate quote request, call our Orlando Florida insurance office today at 877.874-4673

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