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View Full Version : advice on workmans comp


bizerker
11-18-2008, 10:44 PM
just starting out in florida and any advice regarding a good place to get a quote from would be appreciated

Steve
11-19-2008, 09:08 AM
Hi bizerker,

Welcome to our forum!

I am hoping our friend Chuck from FL can jump in here and offer you some advice on this.

musician/lawnman
11-19-2008, 04:35 PM
Hi bizerker,
Where in Florida are you located sir?

ABurlison
11-19-2008, 06:23 PM
You only need Workmans Comp. Insurance if you have employees, right? Atleast that's how it is in my state of Oregon, but you do need Liability Insurance, which I get from my local American Family Insurance Rep., its fairly inexpensive for 1 Million worth of coverage I pay $45/Month, this covers my equipment as well for theft and damage, up to 5K worth.

musician/lawnman
11-19-2008, 09:29 PM
Here in Florida, even if you are a sole proprieter with no employees you either need workers comp or have to file an application for exemption with the state.
I am comp exempt myself, though my employees are covered through my payroll service.