Florida Workers' Compensation
Workers' compensation insurance protects employers from claims resulting from injuries to employees.
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Workers’ compensation is a no-fault insurance that provides wage replacement and medical benefits to employees for accidental work-related injuries. Florida law requires most employers to obtain workers’ compensation insurance if they have at least four employees (full-time or part-time). Corporate officers in any industry are also considered employees, unless they elect to be excluded from coverage.
Many Florida employers (particularly employers that are new in business) have questions regarding their workers’ compensation insurance. We recommend consulting with one of our workers' comp specialist to learn more about your options.
How Does Workers' Compensation Insurance Benefits Florida Business Owner
We know that your day-to-day operations depend on the hard work, expertise, and dedication of your employees, and if you supply them with quality benefits and plans, they can work with the peace of mind assurance that they are properly protected.
This includes hospital stays, travel expenses, physical therapy, etc. for all injuries including loss of limbs, breaks, and diseases.
This is often needed so workers can come back to work. If a worker cannot return to their original profession because of the injury, then they will be placed in a different field and will not have to find another job.
Up to two-thirds of the employee’s salary will be paid with this insurance.
If an injured employee files a lawsuit against your company, this insurance will help protect it.
HOW MANY EMPLOYEES MUST WE HAVE TO BE REQUIRED TO PURCHASE WORKERS' COMPENSATION IN FLORIDA? If you regularly employee three or more persons in your Florida business, you are required to provide Florida workers' compensation insurance benefits. Talk to our specialist to learn more about particular requirements for your businesses industry. DOES THIS INCLUDE PART-TIME EMPLOYEES? As long as they are regular employees, Yes. WHAT DOES IT MEAN REGULAR PART-TIME EMPLOYEES? A regular part-time employee works regularly on a part-time basis. Such as an employee who only works on weekends.