💼 What Is the Florida Construction Policy Tracking Database?

As a Jacksonville workers' comp insurance agent, one of the most common questions I get from contractors is:

"How do I make sure my subcontractors are covered by workers' comp?"

Good news: Florida has a free online tool that takes the guesswork out of tracking your subcontractors’ coverage. It’s called the Construction Policy Tracking Database, and if you're in the construction industry, this tool could save you from fines, audits, and liability.

🔍 How the Construction Policy Tracking Tool Works

Provided by the Florida Division of Workers' Compensation, this online tool helps you:

• Monitor the workers' compensation status of your subcontractors
• Track whether they carry an active policy or have filed an exemption
• Get automatic email alerts when anything changes

Here’s How It Works:

• Input your subcontractor’s business name or FEIN into the system
• The database then:
  • Verifies their current workers’ comp insurance status
  • Sends alerts if:
    • A policy is canceled
    • An exemption expires
    • A policy is nearing expiration

This keeps you from being blindsided by lapses in coverage—and gives you time to take action before you're exposed to potential liability.

📌 Why Should Florida Contractors Use This Tool to Verify Work Comp Coverage?

Relying only on a paper Certificate of Insurance (COI) is risky. Policies can be canceled mid-term, and exemptions expire every 2 years. This database provides Florida contractor workers’ comp verification tool 

• Peace of Mind: The tool updates in real time—no more wondering if your subcontractor’s paperwork is still valid.
• Risk Prevention: If coverage lapses, you’re alerted immediately so you can pause work and stay compliant.
• Audit Protection: The system gives you documented proof that you’re tracking subcontractor compliance—something auditors love to see.

🔗 How to Sign Up and Start Using It

Getting started is easy and free:

• Visit: https://apps.fldfs.com/ConstructionPolicyTracking/
• Create a free account
• Enter your subcontractors’ business name or FEIN
• Choose to receive email alerts for changes

That’s it! The tool will do the monitoring for you.

🧠 Final Thoughts from a Jacksonville Work Comp Insurance Agent

In Florida, workers' compensation compliance is non-negotiable, especially in construction. A lapse in coverage from a subcontractor can lead to:

• Fines
• Lawsuits
• Higher workers’ comp premiums
• Failed audits

Using this tool is one of the easiest and smartest ways to protect your business.

❓ Frequently Asked Questions (FAQs)

What types of businesses should use the Construction Policy Tracking Database?
Any business that hires subcontractors—especially in construction—should use this tool. It’s most helpful for general contractors, builders, and project managers.

Does the system track both insurance policies and exemptions?
Yes. It tracks whether a subcontractor holds an active workers' comp insurance policy or a valid exemption certificate.

Is there a limit to how many subcontractors I can track?
Nope! You can track as many subs as you like—and receive alerts for all of them.

How often does the system check for updates?
The system performs real-time monitoring. Alerts are sent immediately when a policy is canceled or an exemption expires.

Will I need to renew my account each year?
No. Once your free account is created, it stays active unless you choose to deactivate it.

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