Do you need Workers’ Compensation coverage?
If you are in an industry other than construction, and have four (4) or more employees, full-time or part-time, you are required to carry workers’ compensation coverage (an exempted corporate officer does not count as an employee). Florida law requires your company to carry coverage. Click the poster above for your custom proposal today!
If you are in the construction industry, and have one (1) or more employees(including yourself), you are required to carry workers’ compensation coverage (an exempted corporate officer or member of a limited liability company does not count as an employee).
If you are a farmer, and have more than five (5) regular employees and/or twelve (12) or more other workers for seasonal agricultural labor lasting thirty (30) days or more, you are required to carry workers’ compensation coverage.
If you have four of more employees we can help you obtain affordable Florida Workers Compensation. Construction contractors we can help you too!
What kinds of employee injuries are covered?
The law covers all accidental injuries and occupational diseases arising out of and in the course and scope of employment. This includes diseases or infections resulting from such injuries. The law also covers death resulting from such injuries within specified periods of time. Even if you do not think an injury is covered, you must still file the First Report of Injury or Illness (DWC-1) with your insurance carrier for determination of responsibility within 7 days of your first knowledge of the accident/injury.
What injuries are not covered?
The law does not provide compensation for the following conditions:
a mental or nervous injury due to stress, fright, or excitement;
a work related condition that causes an employee to have fear or dislike for another individual because of the individual’s race, color, religion, sex, national origin, age, or handicap;
“pain and suffering” has never been compensated for in Florida, nor is it compensated in any other state. The employer may not sue an injured worker for causing a catastrophe nor can the injured worker sue the employer for their injury. This trade-off makes it possible for injured workers to receive immediate medical care, at no cost to the injured worker, without any consideration for who was at fault, the employer or the employee. In civil law, negligence must be established through litigation before any compensation is awarded.
We can help your company obtain Florida Workers Compensation from the top carriers in the State of Florida. Since we are an independent agency our office has several insurance companies that are ready to compete to earn your business. Call us today to discuss your Florida Workers Compensation needs.
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