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Are Your Construction Industry Clients using the Division of Workers' Compensation's Construction Policy Tracking Database?

E-Alert from FUBA Workers' Comp

In Florida, everyone working on a construction job site is required to be covered by workers’ compensation insurance or have a valid workers’ compensation exemption issued by the state Division of Workers’ Compensation.­ If your client hires a subcontractor whose workers’ compensation coverage gets cancelled and one of the sub’s employees gets hurt, the responsibility for that injury can fall to your client and their workers’ compensation insurance company.­ Your client will also owe premium to their insurance company for that exposure.­­

It’s the same situation if your client hires an exemption holder.­ If that exemption expires and the subcontractor does not renew it timely, that sub is no longer exempt.­ If he/she is hurt on the job, a claim can be filed against your client’s workers’ compensation insurance to cover the injury.­

How can your clients in the construction industry protect themselves?­ We recommend the State of Florida's Construction Policy Tracking Database.­ This is a free service offered by the Division of Workers' Compensation that will notify contractors when their subcontractors’ insurance coverage or exemptions expire or are cancelled.­ Your client simply enters the workers’ comp policy or exemption information for all his/her subcontractors, and the database will track the subs’ policies and/or exemptions and alert the policyholder by email if a subcontractor's policy is cancelled or if an exemption expires.­ The link to the Construction Policy Tracking Database is:­­­

If you have any questions concerning the policy information on the website, you can contact the Division of Workers' Compensation's Customer Service at 850-413-1609 or email

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