What Happens if You’re Injured by a Subcontractor on a Florida Construction Site?

Construction sites bring together many trades—roofers, electricians, masons, drywall installers—often employed by different companies on the same project. When a subcontractor’s mistake injures you, the immediate question is simple: who pays under Florida workers’ compensation when another subcontractor caused your construction site accident?

The legal answer is more nuanced, but Florida law still gives injured construction workers a clear path to workers’ comp benefits when you know how to use it.

Quick Answer

• If another subcontractor caused your injury, you generally claim benefits through your own employer’s workers’ compensation insurance.
• Florida’s “workers’ comp immunity” usually prevents lawsuits between trades on the same job—but there are exceptions.
• If the at-fault subcontractor had no workers’ comp coverage, the general contractor may be responsible for your benefits.
• These cases get complicated fast—evidence and insurance responsibility can be disputed—so getting help from a board-certified Florida workers’ compensation lawyer matters.

Why Your Claim Usually Goes Through Your Employer

Even if a different subcontractor caused the accident, Florida workers’ compensation is a no-fault system. That means your benefits (medical care, wage replacement, and related benefits) typically flow through your direct employer’s policy because you were hurt in the course and scope of your job.

• Example: You work for a drywall company. A roofing subcontractor drops equipment that hits you. Your drywall employer’s workers’ comp should cover you—even though the roofer caused it.
• This is why many searches for “Florida workers’ comp subcontractor liability” end with the answer that benefits usually begin with your employer’s insurer.

Can You Sue the Other Subcontractor?

Often, no. Florida’s workers’ compensation immunity generally bars lawsuits between contractors and subcontractors working on the same project. But there are important exceptions that a construction site accident attorney can evaluate:

• Gross negligence: If the other subcontractor’s conduct was more than ordinary carelessness (for example, knowingly ignoring required safety procedures), a third-party claim may be possible.
• No coverage: If that subcontractor didn’t carry required workers’ comp insurance, there may be additional avenues for recovery outside the usual immunity protections.

What If the Subcontractor Didn’t Have Insurance?

Florida law makes general contractors responsible for ensuring their subs carry workers’ comp. When a subcontractor is uninsured, the general contractor can be held liable for the injured worker’s benefits. This is a critical protection for injured workers—and one insurers sometimes “forget” until they’re pressed.

Attorney Bryan Greenberg, Board Certified in Workers’ Compensation by the Florida Bar, shares:
“In these subcontractor cases, technology often makes the difference. We’ve used job-site photos, text messages between contractors, and even GPS data from equipment to prove who was really responsible. In one claim, we showed a subcontractor had ignored safety protocols, and our client got the benefits they deserved. Without digging into the digital evidence, the insurer would have dismissed the claim.”

Why These Cases Get Complicated

On multi-employer job sites, insurers and contractors may point fingers about who should pay, which leads to delays, denials, or narrow approvals that leave out needed treatment. The right legal strategy focuses on two tracks at once:

• Workers’ comp benefits from your employer’s carrier: medical treatment, wage replacement, mileage, and potential settlements.
• Third-party liability analysis: identifying exceptions (like gross negligence) or responsibility shifts (like uninsured subs → general contractor).

Attorney Brian O. Sutter, Board Certified in Workers’ Compensation since 1990, notes:
“When subcontractors and general contractors start pointing fingers, insurance companies are quick to delay or deny benefits. We’ve spent decades cutting through that red tape. In one case, the general contractor argued it wasn’t their responsibility because the subcontractor’s coverage had lapsed. We knew the law, held them accountable, and made sure our client’s medical care and wages were covered. That’s the kind of fight it takes to get justice for injured workers.”

What To Do After a Subcontractor-Caused Injury

• Report the injury to your employer immediately—in writing if possible.
• Get medical care from the authorized provider your employer/insurer assigns (we can help challenge improper denials or delays).
• Preserve evidence: photos of the scene, equipment, safety signage, and names of witnesses or supervisors.
• Save digital evidence: texts, emails, or work orders showing who controlled the area or equipment.
• Talk with a Florida board-certified workers’ comp attorney to protect your benefits and evaluate any third-party exposure.

What This Means for Injured Construction Workers in Florida

If another subcontractor’s mistake injured you, Florida law still gives you a path to benefits—usually through your employer’s policy, and sometimes with additional claims when key exceptions apply. The sooner you lock down evidence and push the right insurer to accept responsibility, the better your chances of getting the full workers’ comp benefits you’re entitled to.

We’ve represented injured construction workers across Port Charlotte, Fort Myers, Sarasota, and Southwest Florida for decades. If you were hurt on a job site, we’re ready to help you secure the medical treatment and wage benefits you need—and pursue additional recovery where the law allows.

• Free consultation: (941) 625-4878
• All Injuries Law Firm — Victory for the Injured