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Additional Resources Healthcare.gov IRS Q&A on Employer Shared Responsibility Treasury Department ACA Employer Shared Responsibility Fact Sheet The U.S. Small Business Association website Health Care section that lists the dates and times of free, weekly Affordable Care Act 101 Webinars for Small Employers.

Simplify employee tracking with our cloud-based time and attendance software. iBusinessSolutions delivers reliable, user-friendly solutions nationwide. Access it online anytime—start now! Cloud-Based Time & Attendance Software For a Quick Demo Call (941) 487-7275 Cloud Time & Attendance Software Built for Small Businesses A major complaint often heard from small business owners is the time spent on scheduling and monitoring attendance. When you manually look at the scheduled adherence (compare schedules vs. time worked) you can see an opportunity to increase revenue while reducing costs. The time it takes to monitor and track attendance is time wasted especially when there is a software solution that will manage this for you in no time. Our Payroll service will reduce the time spent on scheduling and tracking attendance. iBusinessSolutions offers easy to use functions for employee scheduling, attendance monitoring, and schedule adherence. Schedule a demo Compare Schedule vs. Actual Time Quickly See Late or Leaving Late Immediate Access to Missed Shifts Set Alerts for Late, Early, Ect. Set Attendance Rules Assign Multiple Shifts View by hours, Days, or Months Quickly Schedule Holidays Easily Transfer Shifts for Employees Click and Drag Options Update and Export Reports Multiple Customized Reports Available Cloud-Based Solution with Real-Time Data Access Our time and attendance Payroll service is a complete time & attendance system that can be used all on its own or as part of a complete human capital management solution, with human resources, payroll, and benefits enrollment. Our software replaces tedious time-tracking procedures and completely eliminates manual collection of the information needed for payroll. iBusinessSolutions Payroll Processing It connects various methods of time collection such as physical time clocks, the mobile payroll app, or even self-service, providing maximum flexibility no matter where your employees are located or how they work. Our payroll service was born in the cloud, and engineered for the small-to-mid-sized employer. It offers simple, intelligent navigation, robust reporting and powerful configuration options. Our software service can be extended to include scheduling as well. With the Scheduling and Attendance module, this service allows employers to build schedules, monitor attendance and be alerted to exceptions. Time & Attendance Accurately track, manage and process time and attendance for your entire workforce, even if you have remote employees, multiple locations or mobile employees. With our HCM software, you can choose the data collection that works best for your business – online, with a time clock or with the mobile app. Shift differentials Self-service punching Labor allocations Crossing midnight boundaries Rules-driven pay policies NXG clocks with an optional biometric scanner Overtime and premiums Flexible time rounding rules Meal and break tracking Find out why iBusinessSolutions is #1 in Sarasota for Payroll, Human Capital Management, Timekeeping, Workers Comp, and Health Insurance. Schedule a demo

Explore flexible payroll packages with HR, compliance & onboarding tools. Trusted by Florida businesses and companies nationwide. Get started today. Choose Package: Payroll & HR Solutions Payroll & Tax Management Administration for all aspects of payroll, pay cards, garnishments, expense reimbursement, salary management iCore SELECT iComp SELECT HR Software Compensate your workforce while securely storing data across the employee lifecycle. isolved Human Resources eliminates paper files, streamlines HR workflows and reduces errors and inefficiencies HR Compliance Library HR Basic takes the guesswork out of HR and employee benefits compliance so you can focus on what really matters. Accrual Tracking Automate your PTO, Sick, Vacation and any other accruals your company tracks in one easy to use system. Guided HR Compliance & Compliance Poster Service All the great features of the HR Compliance Library + 24/7 access to SPHR certified advisors to help answer all your HR related questions. Onboard & Develop Integrated workflows to automate employee onboarding & offboarding. Online Benefits Enrollment Easily set up and administer employee benefits to drive self-service enrollment and election changes. Deliver a simple benefits experience to attract and retain top talent within your organization. ACA Compliance Proactive ACA requirement notifications including real-time dashboard. Find out why iBusinessSolutions is #1 in Sarasota for Payroll, Human Capital Management, Timekeeping, Workers Comp, and Health Insurance. Schedule a demo

Understand officer exemptions and minimums for Florida workers compensation. Stay compliant with expert tips. Explore the guide now. Understanding Officer Minimums and Exemptions FLORIDA WORKERS’ COMPENSATION EXEMPTIONS AT-A-GLANCE iBusinessSolutions provides as much relevant information possible to keep you knowledgeable and protected. Officer Exemptions can be obtained through the state of Florida and determine your inclusion in the Work Comp policy for your business. Our goal is to become a resource and business partner for your business. Please don’t hesitate to reach out with any question you may have regarding Workers’ Comp. In addition, please contact a licensed insurance agent, an attorney, or the Division of Workers’ Compensation. Worker Comp Quote 2026 Officer Minimums Non-construction minimum: $67,600 annually per included officer Non-construction maximum: $202,800 annually per included officer ($3,800/week) Construction minimum: $33,800 annually per included officer Construction maximum: $202,800 annually per included officer ($3,800/week) Officer Exemptions: What does it mean? ✅ No Officer Exemption / Included in the policy: The officer minimum payroll does apply for Workers’ Comp premium calculation. If the officer paid themselves less than the officer minimum, it will be due at audit. ❌ Active Officer Exemption / Excluded from the policy: The officer minimum payroll does NOT apply for Workers’ Comp premium calculation. They do not have coverage through their comp policy. Officer exemptions must be filed through the State of FL in order to be active They can be filed, renewed, or revoked at: https://www.myfloridacfo.com/division/wc/employer/exemptions Officer exemptions expire every 2 years, regardless of industry, and it is the insured’s responsibility to ensure it’s active if they intend to be exempt. The Divisions of Bureau of Compliance can be reached at (850) 413-1609 if you have addition questions or concerns. Construction Industry Worker’s Comp is required by law if the business has 1 or more employees Corporate officers may elect to be exempt if: The officer owns at least 10% of the stock of the business The officer is listed as such in the records of the FL Dept of State The business is registered and listed as active with the FL Dept of State No more than 3 corporate officers can be exempt per business. There is a $50 application fee per officer. Non-Construction Industry Worker’s Comp is required by law if the business has 4 or more employees Non-Construction officers may elect to be exempt if: The officer is listed as such in the records of the FL Dept of State The business is registered and listed as active with the FL Dept of State There is no limit to the number of exempt officers. There is no application fee applied. Sole Proprietors and Partners in Non-Construction Industry They are automatically exempt but can elect to be included in the comp coverage. Work Comp FAQ What are Class Codes and why do they matter? Class codes are used to categorize the work conducted by employees in different departments. Each class code has an associated Net Rate, which is issued by the state of FL. The net rate changes based on the risk of the particular job. For instance, a roofer will have a higher net rate than a receptionist due to the nature of the work being conducted. This is why it is crucial that the employee log is reviewed regularly by management to ensure everyone is classified properly. How do I know if I’m required by law to have Workers' Compensation coverage? To ensure that your business is compliant, simply count the number of current employees. Construction: If you have one or more it is required by law to have WC coverage. Non-Construction: If you have four or more employees, it is required by law to have WC coverage. What are the common Construction Class Codes in FL? The construction industry covers a wide range of jobs! It ranges from steel work, carpentry, roofing, and welding. Please see the link below for a comprehensive review of the construction class codes that are frequently utilized in Florida. Florida Construction Class Codes The state Division of Workers’ Compensation considers the following class codes to be in the construction industry. An employer is engaged in the construction industry when any portion of the employer’s business operations is described in the construction industry classification codes below: (a) 0042 Landscape Gardening and Drivers (b) 0050 Farm Machinery Operation By Contractor and Drivers (c) 1322 Oil or Gas – Well – Cleaning or Swabbing of Wells – By Specialist Contractor – No Drilling & Drivers (d) 2799 Manufactured, Modular or Prefabricated Home Setup, Hookup, or Installation at Building Site (e) 3365 Welding or Cutting NOC and Drivers (f) 3719 Oil Still Erection or Repair (g) 3724 Machinery or Equipment Erection or Repair NOC and Drivers (h) 3726 Boiler Installation or Repair – Steam (i) 5020 Ceiling Installation Suspended Acoustical Grid Type (j) 5022 Masonry NOC (k) 5037 Painting: Metal Structures Over Two Stories in Height and Drivers (l) 5040 Iron or Steel: Erection – Frame Structures (m) 5057 Iron or Steel: Erection NOC (n) 5059 Iron or Steel: Erection – Frame Structures Not Over Two Stories in Height (o) 5069 Iron or Steel: Erection Construction of Dwellings Not Over Two Stories in Height (p) 5102 Door and Window Installation – All Types – Residential and Commercial (q) 5146 Furniture or Fixtures Installation – Portable – NOC (r) 5160 Elevator Erection or Repair (s) 5183 Plumbing NOC and Drivers (t) 5188 Automatic Sprinkler Installation and Drivers (u) 5190 Electrical Wiring Within Buildings and Drivers (v) 5213 Concrete Construction NOC (w) 5215 Concrete Work Incidental to the Construction of Private Residence (x) 5221 Concrete or Cement Work – Floors, Driveways, Yards or Sidewalks and Drivers (N/A MA) (y) 5222 Concrete Construction in Connection with Bridges or Culverts (z) 5223 Swimming Pool Construction, Installation, or Repair -Not Iron or Steel & Drivers (aa) 5348 Ceramic Tile, Indoor Stone, Marble, or Mosaic Work (bb) 5402 Hothouse Erection All Operations (cc) 5403 Carpentry – NOC (dd) 5437 Carpentry – Installation of Cabinet Work or Interior Trim (ee) 5443 Lathing and Drivers (ff) 5445 Wallboard Installation Within Buildings and Drivers (gg) 5462 Glazier Away From Shop and Drivers (hh) 5472 Asbestos Removal Operations: Contractor – Pipe and Boiler Work Exclusively & Drivers (ii) 5473 Asbestos Removal Operations: Contractor – NOC and Drivers (jj) 5474 Painting NOC & Shop Operations, Drivers (kk) 5478 Floor Covering Installation – Resilient Flooring – Carpet and Laminate Flooring (ll) 5479 Insulation Work NOC and Drivers (mm) 5480 Plastering NOC and Drivers (nn) 5491 Paperhanging and Drivers (oo) 5506 Street or Road Construction: Paving or Repaving and Drivers (pp) 5507 Street or Road Construction: Subsurface Work and Drivers (qq) 5508 Street or Road Construction: Rock Excavation and Drivers (rr) 5509 Street or Road Maintenance or Beautification & Drivers (ss) 5535 Sheet Metal Work – Installation & Drivers (tt) 5537 Heating, Ventilation, Air-Conditioning and Refrigeration Systems Installation, Service and Repair, Shop, Yard & Drivers (uu) 5551 Roofing – All Kinds and Drivers (vv) 5606 Contractor – Project Manager, Construction Executive, Construction Manager or Construction Superintendent (ww) 5610 Cleaner – Debris Removal – Construction Contractor (xx) 5613 Cleaner – Debris Removal – Temporary Labor Service (yy) 5645 Carpentry – Detached One or Two Family Dwellings (zz) 5651 Carpentry – Dwellings – Three Stories or Less (aaa) 5703 Building Raising or Moving (bbb) 5705 Salvage Operation – No Wrecking or Any Structural Operations (ccc) 6004 Land Pile Driving (ddd) 6006 FMarine Pile Driving, Dock & Seawall, Jetty or Breakwater, Dike or Revetment Construction – All Operations to Completion & Drivers (eee) 6017 Dam or Lock Construction: Concrete Work – All Operations (fff) 6018 Dam or Lock Construction: Earth Moving or Placing – All Operations and Drivers (ggg) 6045 Levee Construction – All Operations to Completion and Drivers (hhh) 6204 Drilling NOC and Drivers (iii) 6206 Oil or Gas Well: Cementing and Drivers (jjj) 6213 Oil or Gas – Well – Specialty Tool & Equipment Leasing NOC – All Employees & Drivers (kkk) 6214 Oil or Gas Well: Perforating of Casing – All Employees and Drivers (lll) 6216 Oil or Gas – Lease Work NOC – By Specialist Contractor & Drivers (mmm) 6217 Excavation and Drivers NOC (nnn) 6229 Irrigation or Draining System Construction & Drivers (ooo) 6233 Oil or Gas Pipeline Construction & Drivers (ppp) 6235 Oil or Gas Well: Drilling or Redrilling & Drivers (qqq) 6236 Oil or Gas Well: Installation or Recovery of Casing & Drivers (rrr) 6237 Oil or Gas Well: Instrument Logging or Survey Work and Drivers (sss) 6251 Tunneling Not Pneumatic – All Operations (ttt) 6252 Shaft Sinking – All Operations (uuu) 6260 Tunneling – Pneumatic – All Operations (vvv) 6306 Sewer Construction – All Operations and Drivers (www) 6319 Gas Main or Connection – Construction and Drivers (xxx) 6325 Conduit Construction – For Cable or Wires – & Drivers (yyy) 6400 Fence Installation and Repair-Metal, Vinyl, Wood or Prefabricated Concrete Panel Fence Installed By Hand (zzz) 7538 Electric Light or Power Line Construction & Drivers (aaaa) 7605 Burglar and Fire Alarm Installation or Repair & Drivers (bbbb) 7855 Railroad Construction: Laying or Relaying of Tracks or Maintenance of Way by Contractor – No Work on Elevated Railroads – & Drivers (cccc) 8227 Construction or Erection Permanent Yard (dddd) 9534 Mobile Crane and Hoisting Service Contractors – NOC – All Operations – Including Yard Employees and Drivers (eeee) 9554 Sign Installation, Maintenance, Repair, Removal, or Replacement NOC & Drivers Find out why iBusinessSolutions is #1 in Sarasota for Payroll, Human Capital Management, Timekeeping, Workers Comp, and Health Insurance. Workers Comp Quote

Simplify workers comp insurance in Florida with expert support from iBusinessSolutions. Enjoy pay-as-you-go plans, no large down payments, and expert audit support. Simplify Workers’ Compensation in Florida with Pay-As-You-Owe Coverage Choosing the Right Workers’ Comp Policy can give you predictable cash flow. Most states require businesses to carry Workers' compensation insurance and requirements can vary based on factors such as location, industry, and number of employees. In Florida, eligibility is based on employee count, and workers’ compensation rates are set by the state. Because rates are regulated, the real difference from one agency to the next is the expertise, service, and support they provide. With over twenty years of nationwide experience, we specialize in making workers’ compensation simple and stress-free. We take the burden off your shoulders by actively managing your policy and helping you avoid costly mistakes. Our Pay-As-You-Owe payment plan eliminates large down payments, improves cash flow, and aligns your premiums with actual payroll, which frees up capital you can reinvest in growing your business. We go beyond placing a policy. Our team assists with inspections, audits, class code verification, compliance guidance, and other critical details that can significantly impact your costs and exposure. No matter where you operate, we provide the hands-on support and expert advice businesses need to stay compliant, control expenses, and focus on what matters most running their business. REQUEST A FREE QUOTE Understanding PAY-AS-YOU-OWE, or PAYO Are you tired of paying installments based on estimated payroll amounts? Are you tired of taking time out of your busy schedule to remit payment? Not only is it time-consuming, but an installment pay-plan can often lead to an unexpected audit balance. Since the premium for a Work Comp policy is based off the estimated annual premium for the following year, it can be challenging to track. There may be natural rises and falls in your payroll throughout the year, which has a direct impact on the premium paid to the policy. With PAYO, the premium is based on the specific amount of payroll for each check date. This prevents inaccurate premium payments, which often leads to unpleasant audit results. Although comp audits rarely result in a zero balance, the PAYO payment plan allows for significantly more accurate audit results. Our PAYO program allows you to reap the benefits of your comp policy without the stress and loss of time. To find out more, please reach out to our Work Comp department for more details. Multiple Carriers & Plan Arrangements We have access to many A-Rated insurance carriers who offer safety resources, dividend plans, deductible options, and several types of rating plans. Whether it’s a guaranteed cost, or a retro program, we have specific plans to meet your needs. 20 Years of Experience in Florida Workers’ Compensation Drug-Free Workplace Programs Workplace Safety Programs Return to Work Programs Claims Analysis Trying to control your claims experience can leave you feeling powerless. We can help! Our tools and resources help us respond to, track, and manage losses as they occur. We can also analyze your aggregate loss history to determine where significant losses are occurring and develop strategies to mitigate them. Premium Audits Premium Audits occur annually for Workers’ Compensation, approximately 30-60 after the policy renews. We understand that it can be stressful, and we are here to help! Our team is able to provide you with the majority of the necessary paperwork to complete your audit. We are here to support you through the process by corresponding with the carrier on your behalf and answering any questions you may have. After the audit is completed, we’re happy to review the results with you for better understanding. Are you 100% certain that your experience modification factor is correct? Has your agent ever showed you how much each individual claim is affecting your experience mod? We have the expertise to verify the accuracy of your experience mod. In addition, we will pinpoint how much each individual claim is costing you and provide you solutions for reducing them. Request a Call Back. Name Phone Email Submit Thanks for submitting! For Business: For Workers Comp inquiry fill our short feedback form or you can also Call – (941) 487-7275 and we’ll get in touch shortly. Office Hours : 09:00 and 5:00 Mon to Fri | Sat, Sun – Holiday Find out why iBusinessSolutions is #1 in Sarasota for Payroll, Human Capital Management, Timekeeping, Workers Comp, and Health Insurance. Learn More

Group health insurance plans that support your team and keep your business compliant. Expert service available nationwide. Get your quote today! Customized Group Health Plans for Your Business Needs Comprehensive Health Insurance Solutions for Your Employees At iBusinessSolutions, we specialize in designing Group Health Benefit Plans tailored for Sarasota and Southwest Florida businesses with 4 or more employees. Our expert team creates affordable, compliant, and comprehensive medical packages that help you attract and retain top talent while simplifying benefits administration. Let us handle the complexities of health insurance compliance so you can focus on growing your business. Contact Us Today Why Choose Group Health Benefit Plans with iBusinessSolutions? As your business grows, offering competitive employee benefits becomes essential. Our group health plans provide: Cost-Effective Coverage: Affordable rates for businesses of all sizes, potentially saving you thousands annually. Compliance Expertise: Navigate ACA, COBRA, and Section 125 requirements with confidence, avoiding costly penalties. Customized Solutions: Tailored plans (PPO, HMO, HSA, HRA, and level-funded options) to meet your workforce’s needs. Employee Satisfaction: Boost retention with comprehensive medical, dental, life, and disability plans that show you value your team. Local Support: As a Sarasota-based partner, we understand the unique needs of Southwest Florida businesses but also provide solutions nationwide. Our Group Health Benefit Offerings We provide a full suite of employee benefit plans to suit any industry, ensuring your business stays competitive and compliant. Group Medical Insurance: Comprehensive plans including PPO, HMO, HSA, plus level-funded solutions for cost control. Group Dental Plans: Affordable dental coverage to complement your medical benefits package. Group Life Insurance: Offer your employees peace of mind with customizable life insurance plans. Short-Term and Long-Term Disability: Protect your workforce with income replacement options for unexpected health challenges. Supplemental Plans: Enhance your benefits with supplemental insurance products. Section 125 Plans: Save on taxes and increase employee take-home pay with pre-tax benefit options. Group Insurance Quote Certificate of Insurance A certificate of insurance is a document used to provide information on specific insurance coverage. The certificate provides verification of the insurance. Learn More Group Health Insurance Quote Health insurance is a way to pay for health care. It protects you from paying the full costs of medical services when you’re injured or sick. Learn More Payroll Services Quote You do not need an accounting expert to manage your payroll function in the office. We offer a simplified online payroll software and service. Learn More Workers Comp Quote With the right experience and guidance, we can control the working parts of your policy and reduce the premiums you pay each year. Learn More Simplify Compliance and Benefits Administration Navigating the complexities of employee benefits can be overwhelming, especially as your business scales. iBusinessSolutions takes the stress out of compliance by: HSA Plans Ensuring adherence to ACA regulations, COBRA requirements, and other federal mandates. Providing Certificates of Insurance to verify coverage for your records. Offering expert guidance on Section 125 plans to maximize tax savings for you and your employees. Streamlining benefits enrollment and administration with user-friendly tools and personalized support. With iBusinessSolutions, you’ll have a trusted partner to manage your group health benefits, so you can focus on what matters most—running your business. Contact us today to explore how our group health plans can save you money and enhance your employee benefits package. Group Health Quote Individual Medical Insurance Integrated Payroll and HR Solutions In addition to group health benefits, iBusinessSolutions offers simplified payroll services and human capital management tools to streamline your operations. Our online payroll software eliminates the need for in-house accounting expertise, while our timekeeping and workers’ compensation solutions help you manage costs effectively. Learn More About Our Payroll Services Request a Workers’ Compensation Quote Why iBusinessSolutions is Sarasota’s Trusted Benefits Partner As the #1 choice in Sarasota for payroll, human capital management, and group health benefits, iBusinessSolutions is committed to helping local businesses thrive. Our deep understanding of Southwest Florida’s business landscape, combined with our expertise in compliance and benefits administration, makes us the ideal partner for your growing company. Find out why iBusinessSolutions is #1 in Sarasota for Payroll, Human Capital Management, Timekeeping, Workers Comp, and Health Insurance. Learn More

Explore exciting career opportunities with iBusinessSolutions. Join a growing leader in HR and payroll software serving Florida with innovation and integrity. Careers in HR & Payroll Services Vision Statement: To invest $250,000 annually into our team and community to inspire positive change. APPLY HERE If you're looking for a mission driven company with values and growth opportunities, then we are looking for you. But don't take our word, see what our staff says about us below... WHAT OUR STAFF THINKS. It's all about culture. "I enjoy that we are have the small company atmosphere. Our bosses are personable, we have flexible hours when needed, and our dress code is pretty chill." "Christian based company." "We aren't just coworkers, we are one big work family." "Not like a normal corporate company job, where you're just another worker and not appreciated. Here at iBiz, we are valued and cared about. The owners really care about their employees, and go above and beyond to help them if they're in a rough spot." "The growth! Since I have started, I have seen tremendous growth which provides job security. I am excited to see what the future holds for the company & I'm glad to be a part of it!" "THE PEOPLE! Everyone is willing to help and easy to get along with. Anytime I have a question, anyone I ask is willing to explain an answer or collaborate with me to determine an answer or solution. " "The partners! Each one of them is understanding and easy to talk to. Highly enjoy that they are family oriented and allow us all to have a work-life balance. They also listen and continue to make changes to better all of their employees (as well as our society)."