First you need to get in contact with the state,make your businees become incorporated(L.L.C.) then you need to fill out some forms, give your business info like what type of work you do,etc.. I don't remember the websites but I will look it up again and will re answer you again. I don't think you need to be incorporated to qualify for an exemption, but please be sure that you WANT to exercise an exemption. You will remain liable for all work-related injury claims even if you exercise an exemption. If you're self-employed with no employees, your clients or general contractors will want to know you have coverage on yourself so THEY don't get stuck with YOUR claim.
i understand that in fl i am not required to carry workmans compensation for my tree service when i only have 2 part time employees
Yes - and even if your state has an exemption for you because you have less than a certain number of employees or subcontractors, you remain liable even if you don't have Workers Comp insurance.
what earnings must i report to workmans comp
no
i lost a finger in 1983 do i get money for that
It depends on your state, but remember that if you have employees, even if your state has an exemption you remain liable for your employees medical costs and more whether you have insurance or not.
4.5%
As each state's criteria for eligibility and amount of workman's comp payable differs, you need to contact your state's office for clarification.
Was it an on the job injury?
Only if it is legal in your jurisdiction.
$15 per hr
Yes it is a workmans comp if he was scheduled to come in or he had an appointment. Massachusetts Yes it is a workmans comp if he was scheduled to come in or he had an appointment. Massachusetts Answer #2 You better check with workman's comp. I know of a case where a fellow employee fell in the bathroom at work and was denied payments because it was not considered "work related". In this particular case, the company turned it in as workman's comp but it was refused.