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How Protected are you?

Here are a Few Important Facts that You Should Know

Did You Know That an Injured Worker on Your Property Without Workers Comp Insurance Leaves You at Risk?

1. If workers on your property are not covered by an actual workers comp policy, the property owner’s have a liability exposure for: medical bills, lost wages, negligence lawsuits and legal expenses (Liability Insurance does NOT provide coverage).
2. A workers’ certificate of exemption still leaves the property owners liable.
3. Having your handyman sign a waiver does NOT protect the property owners.
4. A handyman or “contractor” presenting that they are “Licensed & Insured” usually means they have only an occupational license and liability insurance. Using a contractor without a registered or certified contractor’s license is illegal and not having workers comp insurance leaves the property owner liable if a worker gets injured.
5. Most Property Management Companies do NOT verify or have knowledge of these facts! This leaves the property owner completely liable if there is an accident.

Did you know that it is illegal work on your investment or rental properties without using a licensed contractor?

Florida Statutes, Chapter 489.103 (b)
“… The exemption allows you, as the owner of your property, to act as your own contractor with certain restrictions … The building or residence must be for your own use or occupancy. It may not be … for sale or lease…”