Workers Compensation Information
Workers Compensation Insurance for Businesses Across Florida
Employees are the backbone of any good business, serving customers and providing a face for people to relate to your company. Keeping your employees safe and happy is one of the main duties of an employer. And having a reliable workers compensation policy is one step toward this.
North FLA Agency understands that every business is different. We will help you evaluate the risks your employees face day to day and tailor a workers compensation policy full of the coverage you need.
What Does Workers Compensation Cover?
There are many benefits under a workers compensation policy, each designed to cover employees and the business in case of a workplace accident.
Accidents covered under workers compensation include:
- Lacerations and cuts
- Breaks, sprains and tears
- Injury due to repetitive motion
- Machinery injuries
There are few instances where a workers compensation claim may be denied. Injuries caused by workplace fights started by the injured worker, or injuries that occur while the worker is intoxicated, may not be covered under workers compensation.
The benefits available for a workers compensation claim are:
Medical benefits for workers compensation can help cover medical bills an employee may face after a workplace accident. If an employee is injured at work, workers compensation insurance can pay for medical benefits such as emergency medical care, doctor’s visits, surgeries and medical procedures.
Disability benefits cover expenses if an employee is rendered disabled due to a work-related injury. There are four sections of disabilities:
- Partial temporary disability
- Partial permanent disability
- Total temporary disability
- Total permanent disability
The compensation an employee may receive for a disability may depend on the severity of the injury. This insurance may also provide compensation for vocational disability in the event the employee is unable to return to their previous injury due to a workplace injury.
After an employee is injured, they may not be able to work for a certain period. In these cases, workers compensation insurance will provide replacement for a portion of the employee’s wages for as long as they are unable to return to work.
Protect Your Employees Today
Keep your employees safe on the job with a comprehensive workers compensation policy. Call North FLA Agency at (904) 551-0627 or fill out an online quote form to get started today.
Common Workers Compensation Questions
When an employer purchases a workers compensation policy, all employees listed on the payroll should be covered under this insurance. If an employee is injured at work, they can file a workers compensation to receive monetary assistance with bills related to the injury.
Laws for workers compensation vary per state. In Florida, most businesses are required to offer workers compensation if they have four employees or more. Requirements may also vary depending on your industry.
Workers compensation should cover all employees legally employed in your business. Employees do not have to be full time in order to receive workers compensation coverage.
In most states, workers compensation is not offered through a state program — and Florida is no exception. Employers are expected to purchase and offer workers compensation for their employees.