Exams / Florida All Lines Adjuster License / Fla. Stat. §440.11

Fla. Stat. §440.11 — what it says, and how the exam tests it

This section is cited by 3 of our practice questions and is tested on the Florida All Lines Adjuster License.

The text

440.11 Exclusiveness of liability. — (1) The liability of an employer prescribed in s. 440.10 shall be exclusive and in place of all other liability, including vicarious liability, of such employer to any third-party tortfeasor and to the employee, the legal representative thereof, husband or wife, parents, dependents, next of kin, and anyone otherwise entitled to recover damages from such employer at law or in admiralty on account of such injury or death, except as follows: (a) If an employer fails to secure payment of compensation as required by this chapter, an injured employee, or the legal representative thereof in case death results from the injury, may elect to claim compensation under this chapter or to maintain an action at law or in admiralty for damages on account of such injury or death. In such action the defendant may not plead as a defense that the injury was caused by negligence of a fellow employee, that the employee assumed the risk of the employment, or that the injury was due to the comparative negligence of the employee. (b) When an employer commits an intentional tort that causes the injury or death of the employee. For purposes of this paragraph, an employer’s actions shall be deemed to constitute an intentional tort and not an accident only when the employee proves, by clear and convincing evidence, that: 1. The employer deliberately intended to injure the employee; or 2. The employer engaged in conduct that the employer knew, based on prior similar accidents or on explicit warnings specifically identifying a known danger, was virtually certain to result in injury or death to the employee, and the employee was not aware of the risk because the danger was not apparent and the employer deliberately concealed or misrepresented the danger so as to prevent the employee from exercising informed judgment about whether to perform the work. The same immunities from liability enjoyed by an employer shall extend as well to each employee of the employer when such employee is acting in furtherance of the employer’s business and the injured employee is entitled to receive benefits under this chapter. Such fellow-employee immunities shall not be applicable to an employee who acts, with respect to a fellow employee, with willful and wanton disregard or unprovoked physical aggression or with gross negligence when such acts result in injury or death…

Public record. Read the full, current section at the official source: www.leg.state.fl.us

How it comes up on the exam

Practice questions written from this section — answers and explanations are in the drill.

  1. Under Fla. Stat. §440.11, for an employer's actions to constitute an intentional tort that overcomes workers' compensation immunity, the employee must prove the employer's intent by what standard of evidence?
    drill Property and Liability Insurance Concepts, Insurance Contracts, and Law and Adjusting Practices →
  2. Under Fla. Stat. §440.11, when an employer fails to secure workers' compensation and an employee sues at law, which defense may the employer NOT plead?
    drill Property and Liability Insurance Concepts, Insurance Contracts, and Law and Adjusting Practices →
  3. Under Fla. Stat. §440.11, an employer who has secured workers' compensation coverage generally enjoys exclusive liability. Which situation is an exception that allows an employee to sue the employer at law?
    drill Property and Liability Insurance Concepts, Insurance Contracts, and Law and Adjusting Practices →

Exams that test this section