Reconstruction costs for Florida are now expected to be over $50 billion. There is a huge need for contractors and roofers to get to work. In Florida, however, you must have your regulatory ducks in a row or it can costs you everything!
TPM has a Fast-Start Program that can get you up and tuning immediately so you can get the contracts and get to work!
Pay-As-You-Go Worker’s Comp
Worker’s Compensation
TPM’s Pay-As-You-Go Program offers a turn-key solution to the traditional management of Worker’s Compensation Insurance.
The Pay-As-You-Go Program works just the way taxes are handled — calculating Worker’s Compensation and Liability Insurance based on the actual payroll. These elements are then bundled into your existing payroll at a significant savings.
Total Payroll Management Services
TPM processes and distributes accurate paychecks to your work-site on time, and even offers direct deposit of paychecks. Outsourcing your payroll to TPM is one of the many benefits of our working relationship.
Find out how TPM can help your business grow.
Brokers and Agents – Worker’s Compensation Brokers
TPM’s Pay-As-You-Go Program is ideal for your “Hard To Place” clients. TPM features extensive training, plug and play forms and presentation materials to assist you in offering our services to your clients.
We can turn your Worker’s Compensation and Liability Insurance clients into a productive book of business for you. TPM works on a win/win philosophy with all of our clients and partners.
Contact us today to discuss a channel partnership!
Professional Employer Organization Services
The advantage of outsourcing payroll and Worker’s Compensation claims responsibilities has afforded many businesses more time and energy to focus on what matters most in the business world: success and making a profit.
You never have to worry about paying penalties or interest due to a payroll or tax filing error. Our service is convenient, flexible—and above all, accurate. We guarantee it!
Contractor’s Worker’s Comp
For contractors, having proof of Worker’s Compensation Insurance is usually required to be a subcontractor with a larger general contractor. Proof of Workman’s Comp coverage is provided by a Worker’s Compensation Certification.
TPM generates certificates the same day they are requested!
TPM’s Pay-As-You-Go Program offers a worry-free solution to the traditional management of Worker’s Compensation Insurance.
With our program there are no up-front deposits. Traditional Worker’s Compensation policies require a significant up front payment (Sometimes as much as 3 months of premium costs) to get a policy in place. That is why our program is the solution you need!
TPM’s Risk Management services assist you with establishing and maintaining a safe work environment. We also bear full liability for your company’s workers’ compensation and access to our team of underwriters, loss control specialists and claims managers consists of experienced, trained and knowledgeable experts.
Worker’s Compensation Insurance Is Mandatory
You cannot work in Florida to help in the hurricane recovery or any other time with worker’s comp insurance!
Class code 5551 is used for employees that perform all kinds of roofing installations and roofing repair jobs, including drivers. Because this is an all-inclusive classification, roofing work may be done on any surface, including flat, built-up, or sloped roofs.
Florida’s investigators conduct routine job-site inspections to ensure Employer compliance with the Workers’ Compensation law. When an Employer is operating without the required coverage, civil enforcement action is taken. This most often results in the issuance of a Stop-Work Order, requiring that the business cease all operations until it complies with the law and pays a penalty.
The penalty is equal to 2 times the amount the employer would have paid in manual premium within the preceding two year period.
A Stop-Work Order may also be issued if an employer
- understates or conceals payroll,
- misrepresents or conceals employee duties or
- otherwise attempts to avoid paying the proper amount of premium when purchasing a Workers’ Compensation Insurance policy.
Such violations and other actions may result in criminal charges as filed by the Division of Insurance Fraud.
It is against the law to:
- Work without workers’ compensation insurance when required to do so
- Work in violation of a Stop-Work Order
- Make a false statement for the purpose of obtaining insurance coverage or to reduce premiums
- Fail to report an injury to the insurance carrier
- Discharge or threaten to discharge an employee for filing or attempting to file a workers’ compensation claim
- Deduct workers’ compensation premium from employees’ pay
- Misclassify an employee as an independent contractor
Two Florida Supreme Court decisions earlier this year are prompting a 14.5 percent increase in workers comp insurance rates. One case, Westphal v. St. Petersburg, has to do with the cut off for disability payments. The other, Castellanos v. Next Door Company, overturns statutory limits on attorney’s fees.