Are all employers required to have workers’ compensation insurance for construction accidents?

In Florida, employers are required to have workers’ compensation insurance for construction accidents, unless they are classified as an exempt employer. This means employers whose operations are deemed as non-hazardous, such as those who only have clerical workers, do not have to provide this type of coverage. The Florida Workers’ Compensation Act requires that employers with four or more employees and those in the construction industry have workers’ compensation insurance. Even if the employer has fewer than four employees are considered non-exempt, this insurance is still required. Also, any construction employee who is injured on the job is eligible for workers’ compensation benefits regardless of the employer’s size. If an employer fails to provide workers’ compensation for construction accidents, they can be held liable for medical expenses, lost wages, and any other costs associated with the accident. Florida law also supports workers who have been injured on the job and have been denied payment from an employer’s insurance coverage by filing a lawsuit in civil court. Employers who violate the Florida Workers’ Compensation Act can also be held liable for fines and other penalties. In conclusion, all employers in Florida who are in the construction industry or have more than four employees are required to have workers’ compensation insurance for construction accidents. Furthermore, if the employer does not provide this coverage, they can be held liable for medical expenses, lost wages, and any other costs associated with the accident.

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Are all employers required to have workers’ compensation insurance for construction accidents?

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