October 3, 2022

Hurricane Ian – FAQ for Agents

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LWCC has received calls from agents on behalf of policyholders who are wanting to travel and perform work in Florida in response to Hurricane Ian. We’ve compiled this FAQ page to offer guidance on some of these questions.

If a policyholder is a Louisiana business with Louisiana employees traveling to do work in Florida, do they remain covered?

Florida has specific rules regarding out-of-state contractors. You can find information regarding these rules on the Florida Division of Workers’ Compensation website or the Out-of-State Contractors brochure for coverage and compliance requirements.

Policyholders are advised to review their policy with their agent regarding other state’s coverage or endorsements that may affect their coverage.

For specific advice we recommend working with a licensed Florida insurance agent to help navigate these rules and coverage requirements.

If a policyholder is a Louisiana business with Louisiana employees traveling to do work in Florida and they hire Florida employees while there, are they covered?

Given the limitations for out-of-state contractors in Florida, it’s best to contact a licensed Florida agent to obtain the proper coverage.

How can I place proper coverage in Florida for an out-of-state contractor?

Florida has several Agent Associations you can contact to locate a licensed Florida agent:

If your client is not able to obtain coverage through the standard market, they can use the Find an Agency/Producer Near You tool on the Florida Workers’ Compensation Joint Underwriting Association website to seek assistance procuring proper coverage.

Where can I go to have more specific questions answered regarding out-of-state contractors working in Florida?

Florida Division of Workers’ Compensation website for information regarding out-of-state contractors

Florida Division of Workers’ Compensation brochure for coverage and compliance requirements

Florida Department of Business & Professional Regulation website to find licensing requirements for most construction trades

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