What Happens If My Florida Employer Does Not Have Workers’ Compensation Insurance?

At Morgan Law Group, our Florida workers’ compensation attorneys provide the legal skill and resources our clients need to hold their employers accountable for on-the-job injury expenses – even when they do not have workers’ compensation coverage.

The reality is, not all employers are required to carry workers’ compensation insurance in Florida.

Which Companies are Required to Carry Workers’ Compensation Coverage in Florida?

Under Florida law, workers’ compensation insurance is required for:

• Employers in the construction industry must carry workers’ compensation insurance if they have at least one employee, including the owner of the company.
• Employers in non-construction industries must carry workers’ compensation insurance if they have four or more employees, including the owner.

This holds true even if all the employees are part-time or seasonal, but it does not apply to independent contractors.

Can I Pursue My Florida Employer for Damages if It Does Not Carry Workers’ Compensation Coverage?

If an investigator finds that an employer is unlawfully skirting Florida’s workers’ compensation requirements, the agency will typically impose fines and/or stop work orders for the violation.

When an employee is injured at work and does not have workers’ compensation benefits to cover their medical expenses, wage losses, and other expenses, he or she may be eligible to file a personal injury claim against their employer.

Filing a personal injury lawsuit against the company for failing to carry appropriate workers’ compensation insurance requires partnering with an experienced personal injury lawyer who understands both workers’ compensation laws and civil litigation to help you strengthen your case and ensure that you are fairly compensated for your work-related injury or occupational disease.

Delaying legal action against your employer will jeopardize your chances of success, which is why it is essential to contact a skilled personal injury lawyer to help you expedite your claim.

We can help.

Contact Our Experienced Personal Injury Lawyers in Florida for a Free Consultation

Contact our experienced Florida personal injury attorneys at Morgan Law Group to schedule a free consultation today by calling 888-904-2524 to learn how we can help you pursue your employer for your complete financial recovery, so you can obtain maximum medical improvement and get back to work.