Santa Rosa County, Florida

Small Business Resource Guide

Redefined. Here.Economic Development.

Ranked #10 in CNN Money’s 2013 National “Where the Jobs

are - Best Places to Live - America’s Best Small Towns”

850-623-0174 n 6491 Caroline Street, Suite 4 n Milton, Florida 32570

SantaRosaEDO.com

@SRCEDO edo@santarosa.fl.gov

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The Santa Rosa Economic Development Office serves businesses that want to expand their

existing operations as well as out-of-state businesses wanting to relocate to the county.

They attract industries and create jobs through development, project financing, business

support and marketing activities. They develop the resources that industries demand and

foster entrepreneurship among ambitious and innovative residents. They grow the Santa Rosa County economy through the development of a forward-thinking and sustainable industrial

market. To help clients make intelligent decisions on expanding or relocating to the area, information and resources on our ever-evolving

economy are rapidly provided.

Santa Rosa County offers shovel-ready sites, modern infrastructure and a trained, educated

and experienced workforce. Industries can maximize ROI by locating in Santa Rosa County,

where the sites, employees and civic support they need are in place and ready for take off.

Table of Contents

Planning Your BusinessChecklist for Starting a Business 4Structuring a New Business 5Writing a Business Plan 6Building and Site Selection 9

Loan Programs and Financing Small Business AdministrationLoan Programs 11

Florida First Capital Finance CorporationLoan Program 14Local Financial Institutions 15

Starting Your BusinessZoning and Permitting 16Business Tax Receipt/Business License 21Employer & Property Tax Requirements 26Insurance Basics 31Workforce Development 33

Supporting Your BusinessSmall Business Service Providers 35State of Florida Incentive Programs 38Local Economic Development Incentives 42Local Chambers of Commerce 48

Directory of ResourcesContact Information 50

Additional Questions:Economic Development Office

edo@santarosa.fl.gov850-623-0174

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Planning Your Business Planning Your Business

� Do you have a business plan?

� Do you know what form of legal ownership is best for your business (sole proprietor, partnership or corporation)?

� Do you have a business receipt or license?

� Do you have a location?

� Do you know the zoning requirements and regulations for your location?

� Do you have finances in place?

� Do you know about the various loan programs that are available from your local banks and the Small Business Administration?

� Do you understand tax requirements for your business?

� Do you have an Employer Identification Number?

� Do you know your target market?

� Do you understand marketing trends in your business industry?

� Do you know where to obtain demographic information?

Checklist for Starting a Business Structuring a New Business

Florida Department of StateDivision of Corporations - Corporate Filings

P.O. Box 6327 Tallahassee, FL 32314www.sunbiz.org

Small Business Administrationwww.sba.gov

Which is the appropriate type for your new business? You may wish to consult an attorney or an accountant for assistance. For more information on how to choose a legal structure, visit the Florida Department of State Division of Corporations at www.sunbiz.org.

One of the first steps in establishing a business is determining the appropriate structure which will affect taxation, legal, financial liability and decision-making authority. Basic types of business models include sole proprietorship, partnership, limited liability corporation and a corporation. Details of each of these structures can be found at www.SBA.gov » Starting & Managing a Business » Starting a Business » Choose Your Business Structure

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Planning Your Business Planning Your Business

A written business plan is the foundation for launching your business. The business plan serves two functions. First, it helps secure financing by demonstrating technical competence, marketing knowledge and organizational ability. Second, it helps establish goals, identify risks, recognize both financial and physical needs and provide guidelines to establish performance.

A good business plan is a crucial part of any loan application. It provides specific and organized information about your company and how you will repay borrowed money. This business plan serves as a road map for your business success and is necessary for obtaining loans and other financial resources. Additionally, it informs sales personnel, suppliers and others about your operations and goals.

Before you begin writing your business plan, consider four core questions:

Writing a Business Plan

1 What service or product does your business provide and what need does it fill?

Who are the potential customers for your product or service and why will they purchase it from you?

How will you reach your potential customers?

Where will you get the financial resources to start your business?

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Define the type of business you are starting, write out your mission statement and set goals for your new company, both short-term and long-term. Provide background on your organization’s history and principals.

Determine what type of organizational structure, management and personnel your company will require. Identify key management members and their responsibilities. List goals and a timeline for hiring and training your staff. Determine what is needed to establish and maintain your company’s culture.

Understand and define your company’s market. Describe the targeted customer. Determine the number, location and size of the various competitors in the area. Describe your marketing goals and strategies and plan to illustrate how you plan to achieve these goals.

Research the area and determine where you wish to locate your company. When selecting a location for your business, it is important to consider economic factors and the environment of the area in which you are looking; noting the location of both your potential competitors and target audience.

Description

Organization

Market

When writing your business plan, be sure to address each of the vital elements:

Location

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Planning Your Business Planning Your Business

This section should include your proposed financing, past financial performance and future expectations for financial performance.

What are your financial goals to ensure the success of your business? Careful financial planning is necessary for a successful business. A local business banker can offer valuable assistance in financial assessment.

If you need assistance with your business plan, visit the small business development center.

Financing

Writing a Business Plan (continued) Building and Site Selection

The economic development office works closely with businesses that have outgrown their existing location, new business start-ups, and businesses moving to Santa Rosa County.

Through the close working relationships with the area’s commercial realtors, property owners, financial institutions and county and city planners, the EDO is Santa Rosa County’s best source for site and building availability.

The EDO maintains a database of sites and buildings available in Santa Rosa County at www.SantaRosaSites.com. This is a web-based application that provides information to help new, expanding, or relocating businesses find the best location for success in our community.

Santa Rosa Economic Development6491 Caroline Street, Suite 4

Milton, FL 32570850-623-0174

www.SantaRosaEdo.comwww.SantaRosaSites.com

Florida Small Business Development Center University of West Florida College of Business

9999 University ParkwayPensacola Fl. 32514-5750

850-474-2528www.sbdc.uwf.edu

sbdc@uwf.edu

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Planning Your Business Financing Your Business

Building and Site Selection (continued) Small Business Administration Loan Programs

• Property Database ReportsSearch the online database for available properties based on user-defined criteria and generate quality reports for available properties.

Interactive local GIS layers include community assets such as land use, incentive areas, railroads and schools.

Search the community profiles sections for demographics, industries and business count reports.

Create user-defined analysis for consumer expenditures and labor force reports.

• Community Profiles

• Demographic Analysis Reports

• Local Layers

The Small Business Administration provides a number of financial assistance programs for small businesses that have been specifically designed to meet key financing needs, including debt financing, surety bonds and equity financing.

Guaranteed Loan ProgramsSBA does not make direct loans to small businesses. Rather, SBA sets the guidelines for loans, which are then made by its partners (lenders, community development organizations, and micro-lending institutions). The SBA guarantees that these loans will be repaid, thus eliminating some of the risk to the lending partners. So when a business applies for an SBA loan, it is actually applying for a commercial loan, structured according to SBA requirements with an SBA guaranty. SBA-guaranteed loans may not be made to a small business if the borrower has access to other financing on reasonable terms.

Bonding Program/Surety BondsSBA’s Surety Bond Guarantee Program helps small business contractors who cannot obtain surety bonds through regular commercial channels.

A surety bond is a three-party instrument between a surety (someone who agrees to be responsible for the debt or obligation of another), a contractor and a project owner. The agreement binds the contractor to comply with the terms and conditions of a contract. If the contractor is unable to successfully perform the contract, the surety assumes the contractor’s responsibilities and ensures that the project is completed.

www.SantaRosaSites.com

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Financing Your Business Financing Your Business

Small Business Administration Loan Programs (continued)

Bonding Program/Surety Bonds (continued)Through the SBG Program, the SBA makes an agreement with a surety guaranteeing that SBA will assume a percentage of loss in the event the contractor should breach the terms of the contract. The SBA’s guarantee gives sureties an incentive to provide bonding for eligible contractors, thereby strengthening a contractor’s ability to obtain bonding and greater access to contracting opportunities for small businesses.SBA can guarantee bonds for contracts up to five million dollars, covering bid, performance and payment bonds, and in some cases up to ten million dollars for certain contracts.

Venture Capital ProgramSBA’s Small Business Investment Company “SBIC” Program is a public-private investment partnership created to help fill the gap between the availability of growth capital and the needs of small businesses. The SBA does not invest directly in small businesses, relying instead on the expertise of qualified private investment funds. The SBA licenses these funds as SBICs and supplements the capital they raise from private investors with access to low-cost, government-guaranteed debt.

With these two sources of capital backing them, SBICs search across the United States for promising businesses in need of debt or equity financing. SBICs are similar to other investment funds in terms of how they operate and their pursuit of high returns. However, unlike other funds, SBICs limit their investments to qualified small business concerns as defined by SBA regulations.

Loan guaranty requirements and practices change as the government alters its fiscal policy and priorities to meet current economic conditions. Past policies can’t be relied upon when seeking assistance in today’s market.

SBA provides loans to businesses so the requirements of eligibility are based on aspects of the business, not the owners. A variety of loan programs are offered for specific purposes. Below is a brief description of SBA loans. For more information, visit www.sba.gov/loanprograms:

• General Small Business Loans – 7(a): SBA’s most common loan program, includes financial help for businesses with special requirements.

• Microloan Program: This program provides small, short-term loans to small business concerns and certain types of not-for-profit child-care centers.

• Real Estate & Equipment Loans – CDC/504: This program provides financing for major fixed assets such as equipment or real estate.

• Disaster Loans: Low-interest loans provided to homeowners, renters, businesses and private nonprofit organizations that can be used to repair or replace items damaged or destroyed in a declared disaster including real estate, personal property, machinery and equipment, and inventory and business assets.

Small Business AdministrationNorth Florida District Office

7825 Baymeadows Way, Suite 100BJacksonville, FL 32256

904-443-1900www.sba.gov

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Financing Your Business Financing Your Business

Florida First Capital Finance Corporation 504 Loan Program

The 504 Loan Program is a partnership program between Florida First Capital, which is a nonprofit SBA Certified Development Company, and a commercial lender. Working with participating lenders, Florida First Capital provides up to 90 percent financing at below-market, fixed interest rates and long amortization terms for eligible fixed asset purchases.

Typically, a commercial lender provides financing for 50 percent of the 504 loan project and takes a first lien position; Florida First Capital/SBA provides 40 percent of the project financing and takes a second lien position; and the borrower provides a down payment of just 10 percent.

If a project is a start-up business (less than two years in operation) or a special purpose facility, the borrower’s down payment increases to 15 percent. If a project is a special purpose facility and a start-up business, the borrower’s down payment increases to 20 percent.

Machinery and equipment only loans may qualify with a 10 or 15 percent borrower down payment.

Florida First Capital Finance Corporation2172 W. Nine Mile Rd #394

Pensacola, FL 32534850-393-0496 | www.ffcfc.com

James HosmanNorthwest Florida Representative

james@ffcfc.com

Local Financial Institutions

Below is a sampling of local financial institutions comprised from chamber membership directories:

Centennial Bank850-936-1971 – Navarre Branch

Charter Bank850-623-2822 – Milton Branch Coastal Bank and Trust850-916-7003 – Gulf Breeze Branch850-939-9728 – Navarre Branch850-994-2499 – Pace Branch Gulf Coast Community Bank850-995-9340 – Pace Branch850-916-9330 – Gulf Breeze Branch

Regions Bank850-623-3067 – Milton Branch850-995-8346 – Pace Branch850-444-1075 – Navarre Branch850-444-1071 – Gulf Breeze Branch

Suntrust Bank850-981-7313 – Milton Branch850-916-4456 – Gulf Breeze Branch

United Bank850-981-3352 – Milton Branch850-994-2301 – Pace Branch850-675-6000 – Jay Branch

The Santa Rosa Economic Development Office cannot recommend one financial institution over another. This list is strictly for your convenience. We encourage you to shop around for your best options.

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Starting Your Business Starting Your Business

Zoning and Permitting

Zoning regulates what uses are currently permitted on all properties located within Santa Rosa County. Santa Rosa County Development Services overseas and regulates zoning. The commercial projects department assists customers who are developing commercial or multi-family residential projects. Staff from the building inspections, planning and zoning and engineering departments work together to educate customers and enforce the requirements of the land development code and other local ordinances, the comprehensive plan and the Florida building code, among other regulations. Many types of projects and new businesses require review, permitting, inspections and may need to be reviewed and approved prior to commencing work or starting a business, including:

• Site construction work

• Parking lot improvements

• Simple electrical services change/new generator

• New duct work or new a/c unit

• New construction • Remodels/renovations,

including interior build-outs

• Changes of use of a property

• Changes of occupancy of an existing building, including tenant changes

The following is a step-by-step process for commercial development:

Investigation: Familiarize yourself with the development review process and requirements. Visit development services online at http://www.santarosa.fl.gov/developmentservices. You can also visit the Development Services Center at 6051 Old Bagdad Highway, Suite 202, Milton, FL 32583 or call them at 850-981-7000.

Pre-Application Meeting: Call or go online to schedule a pre-application meeting for your project. The purpose of a pre-application meeting is to allow you to present your ideas to the staff that will review your project and help you to understand all that will be required. A staff member will be assigned to your project. The staff member will be your direct contact and will assist you until project completion.

Other Necessary Approval: Your project may require other federal, state, and local agency approvals to proceed. Your project may also require county level public hearing approvals (rezoning, variances, architectural approval etc.). County staff has contact information available and will guide you to the appropriate agencies.

Submit Site Plan Application: The site plan application outlines all the submitted requirements. Submit a completed application with plans, approvals from outside agencies (if necessary or available), and other required documentation. Fees are collected at the time of submittal.

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Starting Your Business Starting Your Business

Staff Review: County staff will review your submission and either approve or issue comments that specify needed revisions or additional information. Staff review will be completed within 10 business days for any submission.

Make Revisions: You or your consultant(s) will address the staff comments and resubmit for review. Please include a “Response to Comments” letter detailing how the comments were addressed. Resubmittals are targeted for review in five business days.

Development Order Issued: Once the submission is deemed regulation-compliant, staff will issue a development order and site development can begin. If underground utilities are proposed, contact Development Services at 850-981-7000, for a site utility permit and to set up an inspection.

Building Permit: You may submit your plans for building review anytime during or after the site plan process. Submit a completed application with two sets of plans and a plan review fee.

Outside agency approvals will be needed prior to permitting. During submittal, you will be provided a blank Notice of Commencement. If the owner is present, the form will be completed and notarized. The Notice of Commencement must be recorded with the county Clerk of Courts prior to the first building inspection.

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Zoning and Permitting (continued)

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Staff Review: Staff will review your submission for compliance with the Florida building code and either, approve the project or issue comments for needed revisions. Most staff reviews will be completed within 10 business days; however, depending upon the complexity of the project more time may be required.

Make Revisions: You or your consultant(s) will address the staff comments and resubmit for review. Resubmittals are targeted for review in five business days.

Permits Issued: Once the submission is deemed compliant with all applicable regulations, staff will issue a building permit. Upon payment of permit fees the contractor is allowed to pick up approved plans. Building construction can now begin. When your first permit is issued and the job nears completion you will be given a list of specific requirements to obtain a certificate of occupancy for your project.

Inspections: Schedule all required inspections as job progresses. As determined at the beginning of your project you may need to obtain final inspections for:

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• Engineering• Planning &

Zoning• Life Safety

• All Building Permits

• Other Outside Agencies

Time to Occupy: The county will issue Certificate of Occupancy or a Certificate of Completion. You must pass all final inspections.

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Starting Your Business Starting Your Business

Signage

Zoning and Permitting (continued)

• A building permit is required to display, erect, relocate or alter on-premise or off-premise signs, including wall signage and temporary signs, in Santa Rosa County as outlined in Land Development Code - Article 8.

• A development order must be obtained before a sign permit can be issued for off-premise signs (billboards).

Please contact the Santa Rosa County Development Services Center for a review of your project:

Santa Rosa County Development Services6051 Old Bagdad Hwy, Room 202 Milton, FL 32583 or 850-981-7000

www.santarosa.fl.gov/developmentservices

Cutting Costs May Cost You More

While searching for the lowest contractor to bring your dream project to fruition, make sure all your contractors are licensed. A licensed contractor has the required education, experience, qualifications and has passed a criminal history check. By not hiring a licensed contractor you increase your likelihood of being a victim of a scam and risk poor quality work, liability for on-site injuries, and noncompliance with building codes. If your project isn’t permitted or doesn’t comply with the building code your property may be uninsurable and you may have to remove or repair the work at you own expense and be subject to fines. For more tips visit www.myfloridalicense.com/dbpr/reg/ULA-Consumer-Tips.html

Business Tax Receipt/Business License

A local business tax receipt is issued by the Santa Rosa County Tax Collector for operating any business in Santa Rosa County. Anyone that provides merchandise or services to the public, even one-person companies or a home-based businesses, must obtain a business tax receipt to operate.

Before a Santa Rosa County local business tax receipt can be issued, a business must meet all conditions required by the city, county, state, and/or federal agency regulation which apply to that business or occupation. Please review the steps found on pages 22-24.

In Santa Rosa County, a business located within a city or town limit requires both a municipal license and a county license to operate. If the nature of a business takes employees inside a city limit to conduct business even though the business establishment is in the county, it may be necessary to obtain a city license also.

Santa Rosa County Tax CollectorTo obtain requirements for a business located in Santa Rosa County, please visit one of the

several Santa Rosa County Tax Collector locations throughout the county or call 850-983-1800

www.srctc.com

Jay Office5259 Booker Lane

Jay, FL 32565

Midway Office5841 Gulf Breeze Parkway

( Hwy. 98 ) Suite B Gulf Breeze, FL 32563

Milton Office6495 Caroline Street

( Hwy. 90 ) Suite E Milton, FL 32570

Pace Office4487 Chumuckla Hwy

Pace, FL 32571

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Business Tax Receipt/Business License (continued)

If you are starting a business operated out of your home, check with the Santa Rosa County Development Services. You may not be allowed to have a business in an area that is zoned residential.

Development Services Customer Service

850-981-7000

A permit may be required when there is a significant change in property use.

Florida Department of Transportation850-415-9208

https://gis.dot.state.fl.us/OneStopPermitting

Before doing business within the city/town limits of Jay, Milton or Gulf Breeze, check with each city or town hall to see if a city/town license is required in addition to a Santa Rosa County business tax receipt.

Town of Jay850-675-4556

City of Milton850-983-5400

City of Gulf Breeze850-934-5100

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The following checklist provides basic information on requirements that may be needed to start a business in Santa Rosa County.

Starting Your Business Starting Your Business

If your business involves selling anything, you may be required to collect sales tax.

Department of Revenue850-595-5170

You may be required to obtain a Federal ID number.

Internal Revenue Service850-435-8648

A tangible personal property tax return may be required to be filed for your business.

Property Appraiser850-983-1880

For information on construction permits, competency testing, contractors and more, contact Santa Rosa County Development Service. Santa Rosa County Development Services

850-981-7000

If you are using any name for your business other than your legal name, you are required to file a fictitious name with the state. The application and the renewal forms are available online at http://form.sunbiz.org/fic_form.html.

Florida Division of Corporations 850-245-6058

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Starting Your Business

Certain businesses require inspection before a business tax receipt can be issued in Santa

Rosa County.

The following businesses are inspected byFlorida Department of Business and

Professional RegulationDivision of Hotels and Restaurants

Panama City Beach, District 6850-487-1395

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Business Tax Receipt/Business License (continued)

• Restaurants• Food Concessions• Mobile Food Units

• Take-Out• Catering

Below are the telephone numbers of several agencies that you may need to

contact for information

Department of Tobacco, Alcohol and Firearms850-494-5970www.atf.gov

Construction Industry Licensing BoardDepartment of Business & Professional Regulation

850-487-1395

Florida Department of Health and Rehabilitative Services

850-488-6811

Santa Rosa County Environmental Health Unit850-983-5275

Better Business Bureau850-429-0002www.bbb.org

Santa Rosa County Tax CollectorTo obtain requirements for a business located in Santa Rosa County, please visit one of the

several Santa Rosa County Tax Collector locations throughout the county or call 850-983-1800

www.srctc.com

The following businesses are inspected byThe Department of Agriculture and

Consumer Services800-488-0800

• Grocery Stores• Bakeries• Food Processing

Plants• Bottling Plants

• Ice Plants• Seafood

Vendors• Juice/

Sno-Cone Concessions

Starting Your Business

Jay Office5259 Booker Lane

Jay, FL 32565

Midway Office5841 Gulf Breeze Parkway

( Hwy. 98 ) Suite B Gulf Breeze, FL 32563

Milton Office6495 Caroline Street

( Hwy. 90 ) Suite E Milton, FL 32570

Pace Office4487 Chumuckla Hwy

Pace, FL 32571

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Starting Your Business Starting Your Business

Employer & Property Tax Requirements

As an employer, understanding your regulatory requirements is crucial to the success of your business. This guide provides ten easy steps for new employers to follow to ensure compliance with key federal, state and location regulations when hiring employees.

Obtain an Employer Identification NumberTo establish and register your business you must apply for a Federal Tax ID number from the U.S. Internal Revenue Service. In addition to reporting taxes, the EIN is necessary when reporting information about your employees to state agencies.

Internal Revenue Service800-829-4933www.irs.gov

Set up Records for Withholding TaxesThe IRS states that you must keep payroll at least four years. Therefore it is important to establish a good record-keeping system.

Florida Unemployment Tax RegistrationBusinesses with employees are required to pay unemployment insurance taxes. Your business will likely be liable for unemployment compensation tax if you paid $1,500 in wages per calendar quarter or if at least one worker was employed in any calendar quarter, or if you employed at least one worker during any 20 weeks per calendar year. A quarterly tax based on gross payroll must also be paid.

Florida Department of Revenue 850-488-8422

www.myflorida.com/dor

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Federal Income Tax WithholdingAt the time of hiring, every employee must receive and return a withholding exemption certificate (Form W-4). The form specifies the amount of income tax to withhold from the employee’s pay and to submit to the IRS.

Workers Compensation InsuranceSee Insurance Basics, Page 32

Employee Eligibility Verification (I-9 Form)Federal law requires employers to verify an employee’s eligibility to work in the United States. Within three days of hire, employers must complete an employment eligibility verification form for each individual.

U.S. Immigration and Customs www.uscis.gov

Register with the New Hire Reporting OfficeThe Personal Responsibility and Work Opportunity Reconciliation Act of 1996 required all employers to report newly hired, re-hired and temporary (full-time and part-time) employees to a state directory within 20 days of their hire or rehire date.

Florida New Hire Reporting Center888-854-4791

www.fl-newhire.com

Safety and Health Regulations All businesses with employees are required to comply with state and federal regulations regarding the protection of employees. OSHA outlines health and safety standards adopted by the U.S. Department of Labor.

Federal Occupational Safety and Health Administration 813-626-1177

www.osha.gov/smallbusiness

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Starting Your Business

Employer & Property Tax Requirements (continued)

Post Required NoticesEmployers are required by state and federal laws to prominently display certain posters in the workplace that inform employees of their rights and employer responsibilities under labor laws.

www.business.usa.gov

Monthly and Quarterly LiabilitiesAs an employer, there are several federal and state tax filing requirements that apply. Businesses need to ensure the proper calculation of taxes and liabilities.Each quarter, employers who pay wages subject to income tax withholding, social security and Medicare taxes must file IRS Form 941, Employer’s Quarterly Tax Return.

Additionally, employer’s must file IRS Form 940, Employer’s Annual Federal Unemployment Tax Return if you paid wages of $1,500 or more in any calendar quarter or you had one or more employees work for you in any 20 or more weeks of the year.

Employers are also required to file quarterly Florida Unemployment Tax.

Federal Wage and Tax StatementOn an annual basis, employers must report to the federal government wages paid and taxes withheld for each employee. This report is filed using Form W-2, Wage and Tax Statement. Employers must complete a Form W-2 for each employee to whom they pay a salary, wage or other compensation.

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Monthly and Quarterly Liabilities (continued)Employers must send “Copy A” of Forms W-2 to the Social Security Administration by the last day of February (or last day of March if you file electronically) to report the wages and taxes of your employees for the previous calendar year. In addition, employers should send copies of Form W-2 to their employees by January 31 of the year following the reporting period.

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Starting Your Business

Online Tax ResourcesInternal Revenue

Servicewww.irs.gov

Florida Department of Revenue

www.myflorida.com/dor

U.S. Social Security Administration

www.ssa.gov

Electronic Federal Tax Payment System

www.eftps.gov

Tangible Personal Property TaxTangible personal property can be defined as all property other than real estate that is used for business purposes or commercial activity. Examples of TPP are tools, furniture, equipment and machinery, supplies, and leased or loaned equipment.

All business owners, persons or firms owning, leasing, consigning or renting tangible property in Santa Rosa County on January 1 must file a Tangible Personal Property tax return DR-405 with the property appraiser unless a waiver to file a return was previously granted. Returns and waiver notifications are mailed annually in January.

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Employer & Property Tax Requirements (continued)

Starting Your Business Starting Your Business

Insurance Basics

What insurance does your business need?

Property InsuranceProperty insurance compensates you if the property you use in your business is lost or damaged as the result of various types of common “perils” such as fire or theft. It covers not just a building or structure but also what insurers call “personal property,” meaning office furnishings, inventory, raw materials, machinery, computers and other items vital to your business operations.

Property insurance can do more than protect your physical assets. It may also provide operating funds during a period when you are trying to get the business back on track after a catastrophic loss. Depending on the type of policy you have, it may include coverage for equipment breakdown, removal of debris after a fire or other destructive event, some types of water damage and other losses.

Liability InsuranceLiability insurance, also called Commercial General Liability, covers four categories of events for which you could be held responsible: bodily injury, damage to others’ property, personal injury including slander and libel, and false or misleading advertising.

Commercial General Liability coverage pays for the injured party’s medical expenses. It excludes your employees, who are covered by workers’ compensation.

Tangible Personal Property Tax (continued)Timely filed accounts are eligible for a $25,000 exemption. The TPP return is the exemption application. New businesses are required to file an initial return even if they have assets less than $25,000.

Tangible property returns are due April 1 unless a 30-day extension has been requested and granted. Returns filed late are subject to penalties and are not eligible for the $25,000 TPP Exemption.

If a return fails to be filed for a business located in Santa Rosa County, Florida law requires the Property Appraiser to prepare a tangible assessment which is considered reasonable and appropriate for the business.

A tangible waiver will be mailed to all accounts of record if the account was fully exempt in the prior year. No action is necessary if the value for the current year does not exceed $25,000 and if the business status or location has not changed.

For detailed information and online filing please visit the Santa Rosa County Property Appraiser website at http://tpp.srcpa.org/santarosa

Santa Rosa County Property AppraiserGregory S. Brown, CFA

6495 Caroline Street, STE KMilton, FL 32570

850-983-1880www.srcpa.org

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Starting Your Business

Insurance Basics (continued)

Workers’ Compensation InsuranceAn employer must have workers’ compensation insurance when they have four or more employees in a non-construction industry business. Employers in the construction industry must have this insurance if they have one or more employees. Agricultural employers with five or more employees and/or 12 or more seasonal employees must obtain workers’ compensation insurance. Workers’ comp insurance, as this coverage is generally called, pays for medical care and replaces a portion of lost wages for an employee who is injured in the course of employment, regardless of who was at fault for the injury.

Florida Department of Financial ServicesDivision of Workers’ Compensation

200 East Gaines Street, Tallahassee FL 32399 877-693-5236 or 850-413-3089

www.myfloridacfo.com/WC

Business Vehicle InsurancePersonal auto insurance policies may exclude coverage if the vehicle involved in an accident is used mainly for business. A business auto policy provides coverage for autos owned by a business. The insurance pays any costs to third parties resulting from bodily injury or property damage for which your business is legally liable, up to the policy limits. Depending on what kind of coverage you buy, the insurance may pay to repair or replace your vehicle because of damage resulting from accidents, theft, flooding and other events.

Starting Your Business

Insurance for a Home-Based BusinessAn extremely small business, such as one operated by one or two people out of a home, may not need workers’ compensation insurance, but it often needs more property and liability insurance than is provided in a typical homeowners policy.

Florida Department of Financial Serviceswww.myfloridacfo.com

National Association of Insurance Commissioners

www.insureuonline.org/smallbusiness

Workforce Development

CareerSource EscarosaCareerSource Escarosa is the regional workforce organization for Escambia and Santa Rosa Counties providing job placement, recruitment assistance and funds for skills training at no cost to the employers or jobseekers. By leveraging the CareerSource Escarosa business services team, the services provided can increase a company’s return on investment by reducing hiring timelines and improving new hire retention rates.

CareerSource EscarosaPensacola One Stop Center

3670 North L StreetPensacola, FL 32505

850-607-8700careersourceescarosa.com

• Recruiting Services• Candidate Pre-Screening Assessments• Funding/Training Incentives• Local Labor Market Information

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Career AcademiesSanta Rosa County offers over 25 academies with more being added as needs arise. For a list of career academies offered, contact:

Santa Rosa CountyDistrict Schools5086 Canal St.Milton, FL 32570(850) 983-5058Charlin Knight, Workforce Development Directorknightc@mail.santarosa.k12.fl.us

Education and Training Providers

Starting Your Business

Workforce Development (continued)

Supporting Your Business

Small Business Service Providers

The Santa Rosa Economic Development Office is the official economic development organization for Santa Rosa County Florida. The EDO is charged with the responsibility of supporting existing companies in their expansion and growth needs and attracting new companies to the community.

Enterprise Florida, Inc, is a public-private partnership serving as Florida’s primary organization devoted to statewide economic development. Their goal is to facilitate job growth for Florida’s businesses and citizens leading to a vibrant statewide economy.

Santa Rosa Economic Development

6491 Caroline Street, Suite 4Milton, FL 32570

850-623-0174www.SantaRosaEdo.com

Enterprise Florida, Inc. 800 N. Magnolia Avenue

Orlando, FL 32803407-956-5600

www.Eflorida.com

SBA North Florida Office 7825 Baymeadows Way

Jacksonville, FL 32256904-443-1900www.sba.gov

The Small Business Administration is an agency of the federal government to aid, counsel, assist and protect the interests of small businesses, preserve free competitive enterprise and strengthen the economy.

Corporate & Professional Development Training Center at Pensacola State College

418 W. Garden StreetPensacola, FL 32502

850-484-1363www.pensacolastate.edu/ccpd

Ruth McKinon, Coordinatormckinon@pensacolastate.edu

Locklin Tech5380 Berryhill Road

Milton, FL 32570850-983-5700

www.locklintech.comMaria Ladouceur,

Principal

University of West Florida

11000 University Parkway

Pensacola, FL 32514850-474-2000www.uwf.edu

5988 Highway 90Building 4900

Milton, Florida 32583Phone: 850-983-5216

http://wfrec.ifas.ufl.edu

Jay Research Facility4253 Experiment Road

Highway 182Jay, Florida 32565

Phone: 850-995-3720

UF/IFAS West Florida Research & Education Center

36 37

Small Business Service Providers (continued)

Supporting Your Business Supporting Your Business

Florida SBDCUWF College of Business9999 University Parkway

Pensacola FL 32514850-474-2528

www.sbdc.uwf.edu

The Florida Small Business Development Center at the University of West Florida is a member of the Florida Small Business Development Center Network, a non-profit network of college and university-based centers providing entrepreneurs with high quality one-on-one consulting, management training, and vital information they need to grow and prosper in a complex and competitive global environment.

Based in the University of West Florida College of Business, the SBDC at UWF has helped prospective and existing small business owners form, grow, and sustain successful businesses for more than 30 years. Serving Escambia, Santa Rosa, Okaloosa, and Walton counties, the SBDC at UWF maintains full service offices in Pensacola and Fort Walton Beach. Consulting services and training are also provided at several locations throughout our service territory.

The Florida Department of Economic Opportunity promotes economic opportunities for all Floridians, formulating and implementing a successful workforce, community and economic development policies. The agency combines the state’s workforce and community development efforts to help expedite economic development projects and to fuel job creation in communities.

Department of Economic Opportunity107 East Madison Street

Tallahassee, FL 32399850-245-7105

www.floridajobs.org

The U.S. Commercial Service is the trade promotion arm of the U.S. Department of Commerce’s International Trade Administration. U.S. Commercial Service trade professionals in over 100 U.S. cities and in more than 75 countries help U.S. companies get started in exporting or increasing sales to new global markets.

GrowFL provides strategies, resources and support to second-stage companies for next level growth. By supporting companies with strategic research and peer-to-peer CEO mentoring, GrowFL helps companies overcome obstacles to growth and leads them towards prosperity.

Tallahassee Export Assistance Center

The Atrium Building, Suite 201325 John Knox Road

Tallahassee, FL 32303850-942-9635

www.export.govwww.buyusa.gov

GrowFL 12201 Research Parkway

Suite #200Orlando, FL 32826

407-823-6384www.growfl.com

38 39

Supporting Your Business Supporting Your Business

State of Florida Incentive Programs

As of March 2014, to be qualified for the State of Florida’s business assistance incentive programs you must sell more than 50 percent of goods or services outside of the state. Below is a list of incentives available to those industries that meet the state’s requirements. Information on all incentive programs can be found at www.eflorida.com/incentives

Targeted Industry Incentives

Qualified Target Industry Tax Refund Available for companies that create high-wage jobs in targeted high value-added industries. This incentive includes refunds on corporate income, sales, ad valorem, tangible personal property, insurance premiums and certain other taxes.

Qualified Defense and Space Contractor Tax RefundOffers Florida defense, Homeland Security and space business contractors a competitive edge in consolidating contracts or subcontracts, acquiring new contracts or converting contracts to commercial production. Companies receive tax refunds for job creation.

Capital Investment Tax CreditAn annual credit, provided for up to 20 years, against corporate income tax. Eligible projects are those in designated high-impact portions of the following sectors: clean energy, biomedical technology, financial services, information technology, transportation equipment manufacturing or transportation equipment corporate headquarters facilities.

High Impact Performance Incentive GrantA negotiated grant used to attract and grow major high impact facilities in Florida. In order to participate in the program, the project must operate within designated high-impact portions of the following sectors: clean energy, biomedical technology, financial services, silicon technology and transportation equipment manufacturing, or it must be a corporate headquarters facility supporting international, national or regional operations; create at least 100 new, full-time equivalent jobs (if a R&D facility, create at least 75 new full-time equivalent jobs) in Florida in a three-year period; and make a cumulative investment in the state of at least $100 million (if a R&D facility, make a cumulative investment of at least $75 million) in a three-year period.

Economic Development Transportation FundThe Economic Development Transportation Fund, commonly referred to as the “Road Fund,” is an incentive tool designed to alleviate transportation problems that adversely impact a specific company’s location or expansion decision. The award amount is based on the number of new and retained jobs and the eligible transportation project costs, up to three million dollars.

Machinery & Equipment Sales Tax ExemptionMachinery and equipment purchased by new or expanding businesses that use such equipment at a fixed location to manufacture, process, compound or produce tangible personal property for sale is tax exempt.

Aviation Tax ExemptionsAviation tax exemptions include maintenance or repair of aircraft, equipment used in repair or maintenance of aircraft and fixed wing aircraft lease or sales.

40 41

Supporting Your Business Supporting Your Business

State of Florida Incentive Programs (continued)

Research & Development Sales Tax ExemptionThe Sales and Use Tax Exemption on machinery and equipment used for research and development is available to help foster innovation throughout the state. Under this exemption, machinery and equipment used predominantly for research and development are exempt from sales and use tax.

Clean Energy IncentivesImproved real property upon which a renewable energy source device is installed and operated is eligible for an exemption in the amount of the original cost of the device, including the installation cost. Clean energy incentives are available to companies looking to generate renewable energy or manufacturing energy efficient or renewable energy products and technologies and for those who want to integrate into their production process.

Solar Energy Systems Equipment Sales Tax ExemptionSolar energy systems have been exempt from Florida’s sales and use tax since July 1, 1997. The term “solar energy system” means the equipment and requisite hardware that provide and are used for collecting, transferring, converting, storing or using incidental solar energy for water heating, space heating and cooling or other applications that would otherwise require the use of a conventional source of energy such as petroleum products, natural gas, manufactured gas or electricity.

Electricity and Steam Sales Tax ExemptionCharges for electricity used directly and exclusively at a fixed location to operate machinery and equipment that is used to manufacture, process, compound or produce items of tangible personal property for sale, or to operate pollution control equipment, recycling equipment or maintenance equipment. Monitoring or control equipment used in such operations may be exempt from the sales tax.

Workforce Training Incentives

Quick Response Training Program Provides funding for customized training to new or expanding businesses creating new high-quality jobs. The grants are structured to be flexible and “respond quickly” to meet the business’s training objectives.

Incumbent Worker Training ProgramProvide funding for training to existing for-profit businesses. Through this grant, businesses are able to stay competitive by supporting skills- upgrade training for existing full-time employees.

Each grant is structured to be flexible to meet the business’s training objectives utilizing public or private training providers or in-house training providers, based on the nature of the training. Information on both grants can be obtained from the CareerSource Florida website at http://careersourceflorida.com.

42 43

Supporting Your Business

Local Economic Development Incentives

The Santa Rosa Economic Development Office offers numerous incentives to industries that relocate to Northwest Florida. Incentives range from tax exemptions and credits, to loan programs, to workforce training and assistance through development permitting. But, what really sets Santa Rosa County apart, in terms of incentives, is its pricing guidelines program for publicly owned industrial property. This innovative, unique, and attractive incentive offers new and expanding industry discounted land, based on what you bring to our community (i.e. employment capacity, wages, company’s performance, capital investment).

Land Pricing GuidelinesPricing Guidelines are in place to provide the Santa Rosa Economic Development Office with a rational, non-arbitrary, non-discriminating basis for determining a cost per acre for industrial publicly owned property within Santa Rosa County. The point system represents the discount from the base price of publicly owned industrial property as it relates to the economic impact the proposed business will have on the area.

Supporting Your Business

1. Total Capital Investment by Prospect

_____ Under $500,000 0_____$500,000 - $1M 10_____$1M – 5M 13__X__$5M – 10M 18_____> $10M

2. Number of Jobs

_____ Under 10 0_____ 10 – 24 10__X__ 25 – 49 15_____ 50 – 100 25_____ > 100 35

3. Employee Wage Rate at proposed facility

_____ Below Average 0_____15% Above Avg 5_____15 - 35% Above Avg 10_____35 - 50% Above Avg 20_____50 - 75% Above Avg 30__X__> 75% Above Avg

}

}

}40

18

15

40

+

+

Total discount points 73

Project SamplePrice discounts on county-owned industrial property within the Santa Rosa Industrial Park

In reference to Project Sample on Page 43:If points associated with criteria 1, 2 and 3 are summed to 100 points, this will equate to 100% reduction in dollars per acre. If points associated with criteria 1, 2 and 3 are summed to 0 points, this will equate to 0% reduction in dollars per acre. It is also recommended that the county staff and Santa Rosa EDO be responsible for recommending to the board any additional criteria applicable on a case-by-case basis (i.e., maximum acreage per industry, deviation from the scale for sites on the rail spurs, is the prospect a “target market”, is the prospect high tech, low environmental impact, etc.)

Below is a sample of how the incentive is calculated:

44 45

Supporting Your Business

Local Economic Development Incentives (continued)

Supporting Your Business

A. Number of Acres Needed

B. Price Per Acre Before Discount

C. Total Price Before Discount

D. Discount Points

E. Per Acre Discount

F. Price Per Acre After Discount

G. Total Savings

H. Estimated Final Price After Discount

5

Project SamplePage 2

x

$35,000

$175,000A x B

from page 173%

B x D$25,550

$9,450B - E

A x E $127,750

A x F $47,250

The businesses to be included in the Santa Rosa Industrial Park shall be limited to those businesses which sell greater than 50 percent of their product or service outside the region (Okaloosa, Santa Rosa and Escambia Counties) or provide their product or service to local “industry”, thereby bringing in new dollars to the county, unless by special exception by the county commission.

Average wage rate is determined by Enterprise Florida’s annual incentives average wage requirements information sheet. Santa Rosa County’s final wage rate is determined at the time of closing.

To be competitive in locating good businesses in the park, there needs to be flexibility in these land costs. The flexibility should be related to the financial benefit the business has on the county. These guidelines provide a scale where the increase in points allows an increase reduction in land costs from the previously mentioned base value, and the points are accumulated based on capital expenditure, number of jobs and wage rate. This system provides a rational, non-arbitrary, non-discriminating basis for determining a cost per acre for a prospect.

If the situation exists where a prospect has come to the county via a licensed Florida Real Estate Agent or Broker, the cost per acre will be determined as stated above and five percent of the non-discounted price will be paid to the agent or broker. This commission will be paid by the seller/county and will be paid at the time of closing. The funds will come from the economic development reserves in the franchise fee fund.

Effective date: October 27, 2005 and subject to change by approval of county commissioners. Revised Dec. 1, 2006.

With respect to new and expanding business proposing to be located on county owned property within the Santa Rosa Industrial Park, the base rate for land shall be $50,000 an acre for property with rail access and for property located in the area served by county provided regional stormwater management, and $35,000 for property not having rail access or county provided stormwater management.

=

46 47

Supporting Your Business

Local Economic Development Incentives (continued)

Supporting Your Business

3. Multiply number of employees by price per year: 50 employees x $200 per position = $10,000

4. Multiply by five:5 years x $10,000 = $50,000This is your total cash award

The funds for this incentive will come from the economic development portion of the electric franchise fee and the balance of the fee will be monitored with the assistance of the budget director to ensure that the economic development office does not recommend to the board of county commission any incentive that might be unfunded.

While funds will be encumbered by the county for the entire five years based on the anticipated number of new positions and average wage rate, the funds will be distributed to the company on an annual basis post-performance. Records from the company will be required at the end of the reporting year to verify the number of new positions and the average wage rate of the facility paid over that reporting period.

All incentives are subject to approval by the board of county commissioners.

Ad Valorem Tax Rebates

The economic development ad valorem tax exemption is a local option tax incentive for new or expanding businesses, which may be granted at the sole discretion of the Santa Rosa County Commissioners. This incentive includes both ad valorem property taxes and tangible personal property taxes that were paid to the county for the year that the business enterprise created the jobs giving rise to the rebate.

Santa Rosa Super QTI Incentive

The economic development office provides incentives to industries that are expanding and/or relocating from outside the region (Santa Rosa, Escambia and Okaloosa counties) that generate more than 51 percent of their sales from outside the region. This incentive is based on the number of new positions anticipated to our region within a five year period, the quality of the position (average wage rate), and it will be paid for up to five consecutive years at the year-end. There’s a contract between the industries and Santa Rosa County outlining the commitments of the county and the industry, and if the position count should fall below the number committed or the wage rate should be decreased, at the end of five years the industry will be required to refund any incentive funds paid to the industry for this incentive that it does or did not qualify.

A sample of how the Super QTI Incentive is calculated:

1. Collect data• Number of employees: 50• The 2013 county average wage: $14.91 per

hour/$32,011 annual

2. Calculate incentive amount. Incentive given when average wage rate is above the Santa Rosa County’s average wage rate.

__X_ From 85 - 115%____ From 115 - 125%____ From 125 - 150%____ >150%

$200 per position per year$400 per position per year$600 per position per year$800 per position per year

48 49

Supporting Your Business

Local Chambers of Commerce

Supporting Your Business

Santa Rosa County Chamber of Commerce andTourist Information Center

5247 Stewart StreetMilton, FL 32570

850-623-2339www.srcchamber.com

Santa Rosa County has five chambers of commerce. Each chamber has their own economic development committee that works with incoming retail and small businesses by assisting them with everything from locating a building to relocation assistance for their employees. All chambers work closely with the economic development office to be sure that the move to Santa Rosa County is smooth and to ensure they have everything they need to succeed.

Gulf Breeze Area Chamber of Commerce409 Gulf Breeze Hwy

Gulf Breeze, FL 32561www.gulfbreezechamber.com

Pace Area Chamber of Commerce4344 Highway 90

Pace, FL 32571850-994-9633

www.pacechamber.com

Jay Chamber of CommerceP.O. Box 364

Jay, FL 32565850-675-6576

Navarre Beach Area Chamber of Commerce8543 Navarre PkwyNavarre, FL 32566

850-939-3267www.navarrechamber.com

50 51

Directory of Resources

Contact Information

Directory of Resources

AAdministration 850-983-1940Addressing 850-981-7000American’s with Disabilities Act 800-949-4232Army Corp of Engineers 850-439-0707Avalon Fire District (Fire impact fees) 850-602-5236Avalon Utilities (Sewer only) 850-995-4302

BBagdad-Garcon Water System 850-623-8508Berrydale Water System 850-675-6086Board of County Commission 850-983-1877Budget 850-983-1843Building Maintenance 850-623-1569Building & Sites Availability 850-623-0174

CCareerSource Escarosa 850-473-0939Chumuckla Water System 850-994-3001City of Gulf Breeze 850-934-5109City of Milton 850-983-5440City of Milton Fire/Life Safety 850-983-5430City of Milton Utilities (Ext. 1200) 850-983-5440 Clerk of the Courts 850-981-5570Code Compliance 850-981-7000Contractors 850-981-7000Council on Aging 850-432-1475County Attorney 850-983-1857

Customer Service, County 850-983-1877

DDept. of Business and Professional Regulations 850-487-1395Department of Economic Opportunity 850-245-7105Department of Insurance 800-342-2762Department of Revenue (Sales & use tax) 850-595-5170Development Services 850-981-7000 Division of Agriculture and Consumer Services 850-983-5262Division of Alcoholic Beverages & Tobacco 850-494-5970Division of Consumer Services 850-922-2966(Local and toll free phone numbers) 800-435-7352Division of Corporations (Name filing) 850-488-9000Division of Hotels & Restaurants 850-487-1395

EEast Milton Water System 850-623-8750Economic Development 850-623-0174Emergency Management 850-983-5360Engineering 850-981-7100Enterprise Florida 850-298-6620Enterprise Florida International Program 850-469-8989Environmental Department 850-981-7135EPA Hotline 800-368-5888Escambia River Electrical Co-op 850-675-4521 (ext 238)

52 53

Contact Information (continued)

FFederal Wage & Hour Board 850-433-6965Florida Attorney’s Referral Service 850-434-6009Flood Information 850-981-7000FDEP 850-595-8300FDOT 850-981-3000

GGIS Department 850-983-1840Grants, County 850-983-1948Greater Pensacola Chamber of Commerce 850-438-4081GrowFL 407-823-6384Gulf Breeze Chamber of Commerce 850-932-7888Gulf Power Company 850-429-2761

HHealth Department 850-983-5275Holley/Navarre Fire District 850-393-5236Holley-Navarre Water System 850-939-2427 (Ext 242)Hospitality Education Program 850-644-1463Housing 850-981-7076H.R.S. Central Licensing (Day care) 850-444-8247Human Resourcesand Risk Management 850-983-1948

IIRS 800-829-1040

JJay Chamber of Commerce 850-675-6576

LLandfill/Recycling 850-623-9843Library Administration 850-981-7323Life Safety 850-981-7000Local Mitigation Strategy 850-981-1848

MMidway Fire District 850-932-4771Midway Water System 850-932-5188Minority and Economic Business DevelopmentOffice of MBE Certification 850-487-0915Moore Creek Mt Carmel Utilities 850-675-6174Mosquito Control 850-981-7135MSBU Assessments 850-983-1853

NNavarre Beach Pier 850-936-1794Navarre Beach Utilities 850-936-6110Navarre Chamber of Commerce 850-939-3267 Northwest Florida Water Management District 850-683-5044

OOkaloosa Gas 850-729-4700

Directory of ResourcesDirectory of Resources

54 55

Directory of Resources

Contact Information (continued)

PPace Chamber of Commerce 850-994-9633Pace Water System 850-994-5129Parks 850-983-1940Parks after hours 850-983-5372Pensacola State College 850-484-1363Planning (Development Services) 850-981-7000Point Baker Water System 850-623-4545Procurement (Bids, RFP’s, contracts) 850-983-1870Property Appraiser 850-983-1880Public Works 850-626-0191

RRoads and Bridges 850-626-0191

SSanta Rosa County Chamber of Commerce 850-623-2339Santa Rosa County School District 850-983-5000Santa Rosa County Tourist Development Council 850-939-8666Sheriff’s Office 850-983-1100Small Business Administration Federal Office 904-443-1900Small Business Development Center 850-474-2528Soil Conservation 850-623-3229South Santa Rosa Utility System 850-934-5110State Attorney 850-981-5500

Contact Information (continued)

Sundial Utilities 850-981-1294Supervisor of Elections 850-983-1900

TTax Collector 850-983-1800Town of Jay 850-675-4556Transportation Planning 850-981-7082

UUnemployment Compensation Tax 850-595-5225University of West Florida 800-263-1074US Copyright Office 202-707-5959US Exim Bank 800-565-3946US Patent and Trademark 800-786-9199Utility Location Service Sunshine State One “Call Before you Dig” 811UWF Office of Economic Engagement 850-474-3388

VVeteran’s Memorial Plaza 850-626-7292Veteran’s Services 850-981-7110

WWest Florida Regional Planning Council 850-595-8910Worker’s Compensation (inquiries) 850-595-5511World Trade Council (Ext 221) 850-595-6060

850.623.0174 n 6491 Caroline Street, Suite 4 n Milton, Florida 32570