8 Flags Insurance Agency

Who Really Needs Workers’ Comp Insurance in Florida?
Whether you swing a hammer or run an office, Florida law treats workers’ compensation very differently depending on your line of work.

🧰 Non-Construction Businesses
➡️ Businesses with 4 or more employees, full or part-time,
(including owners, corporate officers, and LLC members)
must carry workers’ compensation coverage.
➡️ Owners and officers are automatically considered employees unless they file for and receive an exemption from the state.
➡️ Sole proprietors and partners with no employees are generally not required to carry workers’ comp — but they can elect to cover themselves for added protection.

Even when coverage isn’t required by law, it can still be critical protection. If an employee is injured on the job and no workers’ comp policy is in place, the business owner is personally responsible for all medical expenses, lost wages, and potential legal damages.
In many cases, those claims are resolved in court, where costs can far exceed what an insurance policy would have covered. Carrying workers’ compensation — even when optional — helps protect your business, your income, and your peace of mind.

🧱 Construction Industry
Florida takes construction seriously — and so does the law.
➡️ Every person working in construction must have workers’ comp coverage, even if you’re a one-person operation.
➡️ The only exception: corporate officers or LLC members who own at least 10% of the company can file for an exemption through the Florida Division of Workers’ Compensation.
➡️ Sole proprietors working under their own name cannot exempt themselves — they must carry a policy.

Send a message to learn more

There are direct to consumer options available, such as this one. Sometime the premium is less costly and sometime it isn't. Do they explain what you are actually purchasing? Does the policy cover what you think it does? Are they able to offer and explain options allowing you to make a more educated decision on where to place your insurance? We are.
If you are looking for alternatives to what you have, whether you are with a direct writer or somewhere else, click on the link provided by our first comment below or respond to this post and let us know and we will reach out to you.

The condo flood was bad. What happened after their insurance got involved was worse, Jacksonville newlyweds say Months after a burst pipe flooded their condo, a Jacksonville couple is still out of their home, and they blame their insurance company for the delays.

In celebration of the Juneteenth Holiday or office will be closed Thursday June 19th and reopen on Friday June 20th. You can go to www.8flags.com and request a quote or service or give us a call. We will be monitoring messages. If you need to file a claim please see your policy information for direction. Enjoy the holiday!

Insurance Agency in Fernandina Beach, FL | 8 Flags Insurance Agency Looking for a highly rated insurance agency in Fernandina Beach, FL? We've got you covered! Start your quotes online in seconds or call us today!

Here is a link to the Florida Association of Insurance Agents “full company list”with phone numbers for claim reporting. This list is helpful for anyone needing to file a claim with any Florida carrier not just customers of 8 Flags Insurance. Please feel free to pass it along. Make your preparations now for this storm. Stay safe and say a prayer for our State.

www.floir.com