Workmans comp insurance is an important type of coverage for workers in Florida. It protects employees in case of workplace injury, illness, or death. This guide will cover everything you need to know about workmans comp insurance in Florida, including eligibility requirements, benefits, and more.
What is workman’s compensation insurance?
Workman’s compensation insurance is a type of insurance that provides financial compensation to employees who have suffered work-related injuries or illnesses. It is provided by the employer and pays for medical costs, lost wages, and other related expenses. In Florida, most employers must provide their employees with this insurance coverage.
The coverage helps to protect workers from financial hardship caused by an illness or injury sustained while working.
Who is required to have workman’s compensation insurance in Florida?
Any employer with four or more employees or any hazardous business must have workmans comp insurance. This includes businesses that engage in manual labor or maintenance activities, construction work, and those considered high-risk. Businesses that contract services to others, such as landscaping or janitorial services, must also have workmans comp insurance.
Additionally, agricultural employers are subject to Florida’s workers’ compensation laws if they have six or more employees.
What does workman’s compensation insurance cover in Florida?
Workman’s compensation insurance covers employees in Florida who become injured or ill due to their job. This insurance provides them with medical and income benefits, allowing them to regain financial stability while unable to work due to their injury. The workers’ compensation law is set by state statute.
The law mandates that employers must provide this coverage for all eligible employees (defined as someone who has been employed for three months).
How do I file a claim for workman’s compensation insurance in Florida?
Filing a claim for workmans comp insurance in Florida is relatively straightforward. First, you must report the injury to your employer within 30 days from when the injury occurred or when you became aware of the injury. Your employer will then provide you with an Employer’s First Report of Injury form, which you must complete and submit.
Your employer must report the claim to their insurance carrier within seven days of your report. The insurance carrier will then contact you to discuss the details of your claim and gather additional information.
What are the benefits of having workman’s compensation insurance in Florida?
The types of benefits covered by workman’s comp insurance vary by state, but the following benefits are included in Florida.
- Medical expenses related to workplace injury or illness
- Lost wages if the employee is unable to work due to the injury
- Death benefits for families of workers who die as a result of their workplace injury or illness
In addition, workers’ compensation insurance also covers legal costs associated with disputes over benefits or coverage. Importantly, employers in Florida must carry workmans comp insurance for their employees to protect both parties from potential liabilities.
Apply for a workmans comp in Florida today!
Now that you know how workmans comp insurance works in Florida, you may be ready to take the next step and apply for coverage. Application is easy and can be done quickly and securely online. In just a few minutes, you can get the protection you need in case of injury or illness while on the job. Get started today and make sure that you and your family are covered.