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Employee or Independent contractor?

“Does it walk like a duck, quack like a duck, more than probably a duck”

One of the never-ending discussions for the construction industry in Florida is whether a trade, supplier or independent contractor is an employee or not.  This will clear it up to at least murky water.

The state of Florida holds the construction industry up to a different standard than other industries in Florida.  Other industries such as doctors, lawyers, manufacturing, and hospitality are required to have a worker’s compensation policy in place when there are four or more full or part-time employees.   By the way, if you are a corporate officer you start counting yourself as well.  But, if your company is in the construction industry and you employ even one full time or part-time employee, you must carry workers compensation insurance.

Officers of Florida corporations registered with the Florida Department of State, Division of Corporations, can choose not to be covered under the workers compensation policy.  If your construction company is an LLC you can show a notarized statement of 10% corporate ownership as proof. 

“I know, you are a general contractor and your subcontract all your work out to subcontractors”.  Are they subcontractors or independent contractors?  The general rule is that an individual is an independent contractor if the payer has the right to control or direct only the result of the work and not what will be done and how it will be done.   You are not an independent contractor if you perform services that can be controlled by an employer (what will be done and how it will be done). This applies even if you are given freedom of action.  What matters is if the employer has the legal right to control the details of how the services are performed. 

For a simple risk management tool, make sure your subcontractor (independent contractor) has their agent send you a certificate of insurance showing they have their own workers compensation.  If they say the are a small contractor with no employees but themselves, make sure they give you a copy of their exemption.  Make them sign an affidavit of independent contractor.  But beware, carriers are now  no longer assuming that your subcontractor can earn more than $100,000 by himself.  Workers compensation carriers are starting to examine those 1099’s carefully and may assume there are unreported employees helping that subcontractor.

This is a letter from one of the carriers explaining how if will be decided.

Exempt contractors with compensation over $100K during a policy period, must either furnish a WC certificate of insurance or verification of any labor materials used by the exempt contractor for consideration.  Failure to provide this information could result in a portion of the contractor’s distributions being included on final audit for the general contractor.


Should you have any questions regarding any of this article, please feel free to call our office, Sturdevant-Beach & Associates, LLC.  866-306-5803.  We would be glad to review your risk management program and make suggestions.


Great Turn our for Volusia County Building Department Connect Live training, thank you for participating and to our host!


Donation Check for Food Brings Hope 

From left: Judy Winch, FBH Executive Director, VBIA's Sandy Bishop, FBH Founder Forough Hosseini and Tournament Committee member Ronnie Bledsoe





Bentley Green

2406 Oxmoor Dr., DeLand

6 Ways to Keep in Touch with Past, Current and Future Clients

In Real Estate its imperative to maintain a strong communications network in order to be truly successful.

The key to keep in touch with clients is to determine if they want a relationship and then to contact them in a way that they prefer that still manages to be memorable.

Here a few ways to do just that

1. Provide Memorable Gifts to Past Clients

2. Personal Cards 

3. Use Customer Feedback Surveys

4. Provide Organization for their documents

5. Call Them

6. Provide Useful advice

 Ursula Amon, Consultant

If you want to learn more about this or any other social media related question, contact us for a FREE consultation session.

386.527-5089, E-mail, Website



Spike Report

It's Here! The Updated Spike Roster (11/30/17) is now available

Click the link below to view:

Click Here for Spike Report

What is a Spike?

Recruiting new members to your local association is an activity recognized

and rewarded through the Spike Club. Those who

participate are called Spikes.

For more information on Spikes visit:

NAHB Spike

"Every man owes a part of his time and money to the business

or industry in which he is engaged. No man has a moral right to withhold

his support from an organization that is striving to improve conditions

within his sphere."

- Theodore Roosevelt

FHBA Membership Benefits

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NAHB Membership Benefits

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Builders & Remodelers: 

Members only manufacturer rebate


Save the Dates!

Upcoming events: 

Dec 25 -26 and Jan 1 - VBIA Office Closed

Jan 5: VBIA Board Luncheon & Golf @ Venetian Bay


Jan 9-11  IBS Orlando

Jan 17:  GMM @ LPGA

Jan 23: EXEC & BOARD

Feb 12-14    FHBA Spring Legislative Conference Tallahassee

Feb 24 - March 4: 2018 Parade of Homes

Mar 23:  Parade Gala @Hard Rock Hotel

Aug 28     Primary Election

Nov 6      General Election

Click Here for the 2018 Calendar

Thank you to our 2017 Parade Diamond Sponsors 

International Tile

Florida Public Utilities Company

ABC Supply

New Members

Member: Wendell Bradford

Phone: (386) 259-9777

Membership Renewals

Member: Rick Daniels
Phone: (386) 672-8285

Member: Jerry Tordeur
Phone: (386) 761-3526

Member: Bob Fitzsimmons

Phone: (386) 738-7000

Member: Joni Fulford

Phone: (386) 252-0335

Member: Kim Tong

Phone: (386) 898-9888

Member: Janeen Swanson

Phone: (407) 324-2080

Member: Gaynelle James

Phone: (904) 996-2485

Member: William Klomp

Phone: (386) 255-1411

Member: Alissa Bennett

Phone: (386) 490-9615)

Member: Tyler Debord

Phone: (386) 239-5703





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104 LaCosta Lane, Suite 130 | Daytona Beach, Florida 32114

Phone: (386) 226-1414 | Fax: (386) 226-9940

Copyright © 2016 VBIA. All rights reserved.

104 LaCosta Lane, Suite 130 | Daytona Beach, Florida 32114
Ph: (386) 226-1414
| Fax: (386) 226-9940

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