Workers Compensation Insurance

For Companies in Miami and Across Florida

Have you ever had an employee get hurt on the job? Has someone come to you with the complaint that their years of doing a certain task have left them with a disability or chronic illness? If so, then that person might qualify for workers compensation. The coverage exists to help employees who get hurt because of their working duties. It also helps the business avoid potential liability suits brought by injured workers.

The wise Florida business owner needs to have strong workers compensation insurance, so for expert help in getting coverage, come to Choice One Insurance. We're here to ensure that all businesses can provide employees with the benefits to which they are entitled. Call us at (800) 547-0006 or request a quote online now.

Common Workers Compensation Insurance Questions

Why Get Workers Compensation Insurance?

Many workplace injuries are not based on misconduct. Usually, they are just accidents. Workers compensation can therefore guarantee that employees will have a source income during their recovery or disability. Some of the injuries that might qualify for workers compensation are:

• Slips and falls in the workplace
• Commercial vehicle accidents
• Machinery failure or misuse
• Environmental exposure
• Certain incidents of workplace violence
• Long-term repetitive motion

While not all workplace illnesses or injuries qualify for a workers compensation claim, the employer does not have to be at-fault for the injury for the employee to qualify. So, having a policy at all times helps employers address any eventuality. When these accidents occur, workers compensation insurance might pay for:

• Medical costs
• Rehabilitation costs
• Income replacement
• Extraordinary household costs
• Work retraining
• Death benefits to survivors of those killed in workplace accidents

Who Is Required To Have Workers Compensation Insurance?

Florida's workers compensation system is managed by the Florida Division of Workers Compensation. The law requires the following businesses to buy workers compensation insurance:

Non-construction businesses employing four (4) or more employees.

Construction businesses employing one (1) or more employees.

Agricultural businesses employing six (6) or more regular employees or twelve (12) or more seasonal employees who work between 30 – 45 days per year.

Out-of-state employers and contractors also have requirements to see that their employees have appropriate coverage.

Even if you don't have to buy coverage, by having it, you create a legal avenue to address employee injuries, rather than leaving yourself open to the risks of an employee injury lawsuit. Therefore, workers compensation insurance can be a big contributor to your overall risk management strategy.

How Much Does It Cost To Get Workers Compensation Insurance?

Various factors might impact your workers compensation insurance premium, such as:

• Your business' location
• The number of employees
• Industry risks
• Pay scales
• Employee experience and classification rates

Your Choice One Insurance agent is happy to help you gather all the appropriate information to enroll in coverage, determine your premium and keep your costs affordable.

What Is Workers Compensation Insurance Based On?

Upon filing a claim, the state's workers compensation division will help the injured party receive medical care and document their injuries and losses. The system will then help the employee determine how much money they can receive under the program, and how long their benefits last.

For more information on workers compensation, contact the Department of Financial Services.

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