Frequently Asked Questions

The following is a list of answers to some of the questions that we are most frequently asked.  Feel free to contact us directly if you have any additional questions.

Is Florida construction insurance .com a traditional insurance company or an employee leasing company?

We provide Florida contractors with both options.  You can choose to utilize a traditional insurance policy or an employee leasing arrangement.  As both licensed insrance agents as well as employee leasing brokers, our goal is to shop all available options for your business in search of the best solution. 

How long does it take to get an insurance quote from Florida construction insurance .com?

Once you have completed the online quote form and provided all of the neccessary information, you can usually have your quote within 24 hours.  Once you decide to accept the quote, you can usually bind coverage in 24-48 hours.

Who is required to carry workers compensatio insurance in Florida?

Florida workers compensation regulations state that any construction related business with 1 or more employees must carry workers compensation coverage.  Corporate officers with a valid Florida workers comp exemption do not count as an employee for purposes of the workers compensation coverage requirements.  Non-construction related businesses can have up to 3 employees before they are required to have coverage. 

How does someone become workers comp exempt?

It's actually quite easy to become workers compensation exempt.  Any corporate officer that is at least a10% owner of the corporation is eligible.  A maximum of 3 coporate officers can be exempt for any one corporation.  You can find the documents required to file in th "Forms" section of this website.  You can even call us and we'll help walk you through the process!