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<p class=MsoNormal><span style='color:#1F497D'>Thanks for all the great inputs
on this subject thus far. However, I’m specifically looking for info
regarding those trades that are NOT covered under the DBPR. In my example
below, the tile guy is not governed under DBPR. So, I’m looking for
specific information on the repercussions of, for example, a tile guy working
without insurance (or WC or a tax receipt)? I know that if I cannot produce
evidence of WC and liability for each of my subs when I get my insurance audit
each year then I am charged for carrying them on my policy. If that’s
the case then there should be something in writing somewhere that says you have
to have liability, WC, etc to do this type of work even though they don’t
fall under the DBPR.<o:p></o:p></span></p>
<p class=MsoNormal><span style='color:#1F497D'><o:p> </o:p></span></p>
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<p class=MsoNormal><b><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif"'>From:</span></b><span
style='font-size:10.0pt;font-family:"Tahoma","sans-serif"'> codetalk-bounces@myfloridacode.com
[mailto:codetalk-bounces@myfloridacode.com] <b>On Behalf Of </b>Ken Rodgers<br>
<b>Sent:</b> Thursday, May 06, 2010 7:20 PM<br>
<b>To:</b> codetalk@myfloridacode.com<br>
<b>Subject:</b> [Florida Code Talk] License, Insurance & WC requirements<o:p></o:p></span></p>
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<p class=MsoNormal><o:p> </o:p></p>
<p class=MsoNormal>Evening all,<o:p></o:p></p>
<p class=MsoNormal> It seems like recently there are a lot more guys out
there doing work without a license, insurance and worker’s comp (insurance
or exemption). For clarification, when I say license I’m mainly
referring to the local business tax receipt. Many of these guys know full
well they are operating illegally but some seem to think that as long as they
are working for “just a homeowner” they don’t need some or
all of these. I’ve heard things like, “I’m just going
at my own risk” with regards to not having insurance. One guy I ran
into recently who was laying tile tried to say that Walton County doesn’t
require any of that. He tried to justify it by saying he was performing a
“service” in just repairing their tile. He said they already
had tile and he was just replacing it with new tile, he wasn’t really
doing anything construction related (I tried really hard to hold back the laughter).
There are just a lot of guys out there that are, in my opinion, operating
completely illegally. Not only are they endangering themselves and the
homeowner by not having liability insurance but they are not paying for
worker’s comp and probably not reporting income and thus paying
taxes. All this adds up to their ability to undercut those of us who have
all this and have to make enough to pay for it.<o:p></o:p></p>
<p class=MsoNormal><o:p> </o:p></p>
<p class=MsoNormal> So, my question is where can I find the best info on
all the requirements for doing business, specifically in the construction
field. I know guys doing tile and such are not licensed per se like a
general contractor, electrician, plumber, etc but they still have requirements
right? And what are the penalties for operating in this manner.
Also, is there any penalty for a homeowner or contractor who hires these
types? It is my understanding that if a homeowner hires an unlicensed,
uninsured person then they are required to withhold the appropriate taxes and
carry appropriate insurance. If so, where can I find info on this?
I’d just like to have something in writing that I can give to these guys
(and homeowners) to “educate” them on the requirements.<o:p></o:p></p>
<p class=MsoNormal><o:p> </o:p></p>
<p class=MsoNormal>Thanks,<o:p></o:p></p>
<p class=MsoNormal><o:p> </o:p></p>
<p class=MsoNormal><span style='font-family:"Book Antiqua","serif"'>Ken Rodgers<o:p></o:p></span></p>
<p class=MsoNormal><span style='font-family:"Book Antiqua","serif"'>ArtisanBilt
Construction<o:p></o:p></span></p>
<p class=MsoNormal><o:p> </o:p></p>
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