Workers’ Comp Insurance — Is It Necessary for an Independent Contractor?

Whether you are already an independent contractor, or are considering working for yourself in Pinecrest, FL, depending on the type of services you provide to clients, is significant whether you should have workers comp coverage. Don’t guess. Instead, let our professional agents at Hamilton Fox & Company Inc. go over the pros and cons you will want to consider.

Workers’ Comp Insurance — What You Need to Know

There are many fields/careers where independent contractors provide services. In Florida, since you are considered to be self-employed, you are not required by the state to have workers’ comp insurance. 

As an independent contractor (IC), you are responsible for your own coverage, if you choose to have it. With your own policy, if you are injured on a job, you’ll have coverage for medical bills.

There is an exception, though, if your chosen field is construction. If this is the type of work you provide, you may be required to have workers’ comp coverage due to the nature of the business and the possibility of injury. 

Another service that may require coverage is when an independent contractor makes deliveries. While the state does not require workers comp coverage, the company you deliver for may require that you have it.

Contact our Staff

With the opportunity to be or become an independent contractor in Pinecrest, FL, make sure you know if you need to have coverage. At Hamilton Fox & Company Inc., let us help make sure your self-employed business is safe with proper coverage. Give us a call directly or use our convenient online form to get in touch.