If you operate a company outside the state of Florida but want to do business in Pinecrest, FL, or another area of the state, you may need a separate workers’ compensation policy. Hamilton Fox & Company Inc. knows that navigating the ins and outs of workers’ comp already takes some serious study, so we’ll make it easy. If you operate a business of any kind in one of 21 states that don’t offer extraterritorial reciprocity, your company will need a Florida workers’ comp policy.

States with No Extraterritorial Reciprocity Clause

An out-of-state business needs to buy a workers’ comp policy specific to Florida unless its existing policy contains an Extraterritorial Reciprocity Clause that includes Florida. States that do not reciprocate workers’ compensation coverage with Florida include:

• Alaska
• Colorado
• Connecticut
• Delaware
• District of Columbia
• Hawaii
• Illinois
• Iowa
• Kansas
• Massachusetts
• Michigan
• Missouri
• Nebraska
• New Hampshire
• New Jersey
• New Mexico
• New York
• North Carolina
• South Carolina
• Virginia
• Wisconsin

The insurance rules differ by type of business, too.

Industries with Special Rules

A company in the construction industry with just one employee must carry Florida workers’ comp insurance, but a non-construction company can have four employees before needing a standalone policy. Agricultural firms with six regular employees must carry a Florida policy. If the ag company uses mostly seasonal workers, it can employ fewer than six regular employees and fewer than 12 seasonal workers before needing a policy.

Contact Us Today

Email or phone Hamilton Fox & Company Inc. today to find out what your business needs to operate legally in Pinecrest, FL, or the surrounding area. Let us help you obtain the workers’ compensation insurance your business needs for compliance.