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Workman's Comp Exemption Forms


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By Susan in Tampa, FL on 7/1/2006


My husband and I are planning to build in Pasco County. We are concerned because most subs don't seem to have Workmen's Comp because it is too costly.  They have signed the exemption form though.  I spoke with an attorney who said that the exemption forms are accepted here in the state of Florida,  but that it won't really keep anyone from suing me if they get injured.  Has anyone found an insurance company who will provide temporary Workmen's Comp to an O-B who is not a GC?  I have called many companies without any luck. Are most O-Bs just going ahead and building without any Workmen's Comp. coverage?  Susan
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By David in Ocoee, FL on 8/24/2006


Susan,

The form you are referring to is called a DWC 250, NOTICE OF ELECTION TO BE EXEMPT fldfs.com

. Here are the only 2 people that can fill out the exemption form and qualify for an exemption: CONSTRUCTION INDUSTRY “CORPORATE OFFICER,  or a NON-CONSTRUCTION INDUSTRY “CORPORATE OFFICER”. So therefore, unless these contractors that you are making reference to are one of these, they are in violation of the law and are subject to a big fine.

So don't hire a contractor who can't provide a current State contractor's license number. One of the requirements for obtaining a contractors license in the State of Florida is to get Workman's Compensation insurance. Once the contractor provides you with his or her contractor license number, call the DBPR (Dept of Business and Professional Regulation) and verify that he's actually licensed to do what he claims that he's licensed to do.

I would go a step further and require that they have liability insurance as well. That way you as well as your house will be protected. I hire quite a few contractors for Orange County Government facilities and have never had a problem with a contractor failing to produce both workman's comp and liability insurance.


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