Information for Out-of-State Contractors

Out-of-state contractors must adhere to the following Florida's workers' compensation requirements and understand the consequences for failing to meet those requirements.

1. Out-of-state contractors can secure a Florida workers’ compensation insurance policy from a Florida-licensed insurance company; OR
2. If an out-of-state contractor has a workers' compensation policy for its home state, immediately contact the insurance agent and/or the insurance company and request “Florida” be added to "Section 3.A." of the home state's policy. Refer to Administrative Rule 69L-6.019:  Policies and Endorsements Covering Employees Engaged in Work in Florida
3. If an out-of-state contractor’s home state’s workers’ compensation insurance policy is from a state listed below, the out-of-state contractor can only work in Florida for no more than 10 consecutive days, or no more than 25 total days, during a calendar year; unless it complies with requirement #1 or requirement #2. Refer to Section 440.094, F.S. - Extraterritorial Reciprocity
   

Failure to meet these requirements will result in the Division issuing the out-of-state contractor a Stop-Work Order, requiring the cessation of all its Florida business operations and penalizing the business two times the amount it would have paid in workers’ compensation premium during the time it was out of compliance in Florida, for up to two years.

To learn more about Florida's coverage and compliance requirements, you can download this brochure . If you have any questions, email us at workers.compservice@fldfs.com or call 850-413-1609.

NOTE: For most construction trades, Florida requires contractor licensing. To learn about Florida's licensure requirements and the trades that must comply, please visit www.myfloridalicense.com.