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The answer is YES!
It is a misconception that if you have no "employees" you don't need workers comp insurance. If you have employees, i.e. a manager, maintenance workers, or anything of that sort you will need to secure a policy due to state regulations.
Even if you do not have anyone working for you, there are several companies that will sell you an "if any" policy for $621.00. The reason for this is should you have a sub-contractor on site (landscape, painting, etc.) and their insurance for some reason is cancelled or not effective, the injured worker could sue the association for his medical expenses and lost work time. The "if any" policy would respond at that point.
Given the current economic climate it is a good idea. Many contractors insurance is expiring due to non-payment and other deficiencies.
Wiki User
∙ 14y ago
Wiki User
∙ 6y agoFlorida employers with four (4) or more employees, whether full- or part-time, must provide workers’ compensation insurance to their employees. If the employer is in the construction industry and employs one or more employees, worker’s compensation insurance is required. Florida farmers with five or more employees and twelve or more additional seasonal employees must also carry coverage.
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Do i need to file income taxes Workmens comp did not send you a1099?
Do i need to file income taxes ,workmens comp did not send me a 1099? I did not file last year 2007 because i asked workmens comp. for a 1099 they did not send ...so i assumed i did not need to file. Can i file both years?
What is the criteria to be able to buy workmens comp ins?
AnswerFederal law developed the work comp system and every state has a unique form of it. If you have a single employee, then you need work comp insurance. No matter the state. If the employee becomes injured, if you don't have work comp insurance they can sue your company and you personally for not carrying the work comp insurance.You can be a sole P, INC, LLC, or partnership and get work comp insurance. You can even get work comp insurance for yourself as an owner.Check with a local insurance broker to make sure you are following your states law.
Do you have to pay medical insurance whill off on workmens comp?
Even though you're out of work due to a worker's comp case, your premiums for your medical insurance still need to be paid. Just keep in mind that your medical insurance pays for medical illness and isn't related to worker's comp. Your employer may be willing to help you pay the premiums until you get back to work.
Do family members in California need workers comp insurance?
Workers comp insurance has nothing to do with family members. Workers comp insurance is an insurance policy that your employer will have on if in case you get hurt at work.
What does the workers comp insurance company need from the employer?
The workers comp insurance company requires the employer to insure all the employees.
Do you need to pay benefits when on workmens comp?
You should be treated like any other employee when on WC. If others do, you do. If not, I don't know why you would be singled out.
Where can i purchase temporary workers comp insurance?
I need to see who in Texas offers temorary (one month) of Workers comp?
Do you need a lawyer if you had an accident at work that resulted in a head concussion and days off work?
A lawyer won't do much to help you if the local workmens comp insurance is taking care of the medical. You would have to have the state go after the company for negligence before you would have a case that a lawyer could help collect.
Do you need workmans comp insurance for a concession stand if employee 13 years of age?
You need workers' compensation insurance if you have employees. You do not need worker's comp insurance if you are a sole owner. In most states, owners of a business are exempt from having workers' comp for themselves. The type of business does not matter. If you have employees, you need comp insurance. ...plus, the venue, whether a city owned street, school or music venue SHOULD require that you carry the coverage on yourself to ensure you don't allege to be its employee if you suffer an injury.
What kinda of insurance policies do restaurants need?
Property Liability, Workers Comp.
What kind of insurance do you need for a window cleaning business?
You will need to check with your state and local government first to determine if they have any minimum insurance requirements. Your state insurance department is your best resource for insurance-related questions and concerns. Find information on insurance companies and agents, rate quotes and comparisons, insurance buying tips, claims filing information and much more! State Insurance Department websites: http://www.naic.org/state_web_map.htm
How do you get paperwork started on ex-husband He has a workmens comp case going?
You will need to go back to court and open up your divorce settlement. An attorney should be able to handle this for you. If this is already in your divorce, then you need to inform the court.
