In Florida, workers’ compensation helps employees who get hurt while working. But independent contractors usually cannot file for workers’ compensation. If an independent contractor gets injured on the job, they may wonder if they can get any help.
What’s the difference between employees and independent contractors?
The main difference between employees and independent contractors is who controls the work. Employees work for a company that tells them how and when to do their tasks. Since the company controls their work, employees can get workers’ compensation if they get hurt on the job. Independent contractors don’t work directly for one company. They usually work for themselves or multiple clients. Because independent contractors control how they work, they don’t qualify for workers’ compensation under Florida law.
Can independent contractors get workers’ compensation?
In most cases, independent contractors in Florida cannot file for workers’ compensation. This type of insurance covers employees who work for a company. Since independent contractors work for themselves, they don’t receive this benefit.
Are there exceptions?
Yes, there are a few exceptions. Some industries, like construction, have different rules. In Florida, construction workers, even independent contractors, may need to have workers’ compensation insurance. This happens when the work meets certain rules, like the size of the project or the number of workers. So, independent contractors in certain industries may still be able to get coverage.
What should an independent contractor do if they get injured?
If an independent contractor gets hurt, they should first check their contract. Sometimes, the contract might include workers’ compensation. If not, the contractor may need to file a personal injury claim or use their own health insurance. To avoid surprises, it’s a good idea for independent contractors to talk about safety and insurance before they start a job.