{"id":213,"date":"2025-04-30T04:00:00","date_gmt":"2025-04-30T10:00:00","guid":{"rendered":"https:\/\/www.hamfox.com\/blog\/?p=213"},"modified":"2025-04-15T10:43:46","modified_gmt":"2025-04-15T16:43:46","slug":"does-the-extraterritorial-reciprocity-clause-apply-to-your-company","status":"publish","type":"post","link":"https:\/\/www.hamfox.com\/blog\/does-the-extraterritorial-reciprocity-clause-apply-to-your-company\/","title":{"rendered":"Does the Extraterritorial Reciprocity Clause Apply to Your Company?"},"content":{"rendered":"<p>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&#8217; compensation policy. Hamilton Fox &amp; Company Inc. knows that navigating the ins and outs of workers&#8217; comp already takes some serious study, so we&#8217;ll make it easy. If you operate a business of any kind in one of 21 states that don&#8217;t offer extraterritorial reciprocity, your company will need a Florida workers&#8217; comp policy.<\/p>\n<h2>States with No Extraterritorial Reciprocity Clause<\/h2>\n<p>An out-of-state business needs to buy a workers&#8217; comp policy specific to Florida unless its existing policy contains an Extraterritorial Reciprocity Clause that includes Florida. States that do not reciprocate workers&#8217; compensation coverage with Florida include:<\/p>\n<ul>\n<li>Alaska<\/li>\n<li>Colorado<\/li>\n<li>Connecticut<\/li>\n<li>Delaware<\/li>\n<li>District of Columbia<\/li>\n<li>Hawaii<\/li>\n<li>Illinois<\/li>\n<li>Iowa<\/li>\n<li>Kansas<\/li>\n<li>Massachusetts<\/li>\n<li>Michigan<\/li>\n<li>Missouri<\/li>\n<li>Nebraska<\/li>\n<li>New Hampshire<\/li>\n<li>New Jersey<\/li>\n<li>New Mexico<\/li>\n<li>New York<\/li>\n<li>North Carolina<\/li>\n<li>South Carolina<\/li>\n<li>Virginia<\/li>\n<li>Wisconsin<\/li>\n<\/ul>\n<p>The insurance rules differ by type of business, too.<\/p>\n<h2>Industries with Special Rules<\/h2>\n<p>A company in the construction industry with just one employee must carry Florida workers&#8217; 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.<\/p>\n<h2>Contact Us Today<\/h2>\n<p>Email or phone Hamilton Fox &amp; 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&#8217; compensation insurance your business needs for compliance.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>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&#8217; compensation policy. Hamilton Fox &amp; Company Inc. knows that navigating the ins and outs of workers&#8217; comp already takes some serious study, so we&#8217;ll make [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[13,5,9],"class_list":["post-213","post","type-post","status-publish","format-standard","hentry","category-insurance","tag-extraterritorial-reciprocity","tag-hamilton-fox-company-inc","tag-pinecrest-fl"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.hamfox.com\/blog\/wp-json\/wp\/v2\/posts\/213","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.hamfox.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.hamfox.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.hamfox.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.hamfox.com\/blog\/wp-json\/wp\/v2\/comments?post=213"}],"version-history":[{"count":1,"href":"https:\/\/www.hamfox.com\/blog\/wp-json\/wp\/v2\/posts\/213\/revisions"}],"predecessor-version":[{"id":214,"href":"https:\/\/www.hamfox.com\/blog\/wp-json\/wp\/v2\/posts\/213\/revisions\/214"}],"wp:attachment":[{"href":"https:\/\/www.hamfox.com\/blog\/wp-json\/wp\/v2\/media?parent=213"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.hamfox.com\/blog\/wp-json\/wp\/v2\/categories?post=213"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.hamfox.com\/blog\/wp-json\/wp\/v2\/tags?post=213"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}