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Home » Workers’ Compensation Insurance in Plantation, FL

Workers’ Compensation Insurance in Plantation, FL

Why do we need workers’ compensation insurance?

Work-related injuries and illnesses can take a significant toll on an employee’s health and finances, as well as your organization’s fiscal stability and workplace morale. Securing appropriate resources and loss control measures to manage the aftermath of such incidents is critical for a business.

Fortunately, this type of insurance can provide crucial coverage.

What Is Workers’ Compensation Insurance?

This insurance is a type of coverage that generally focuses on providing financial protection from on-the-job accidents that affect employees’ health. These policies function similarly to many types of insurance, establishing a contract between a business and its insurance company.

This ongoing agreement exchanges a policyholder’s premiums for the right to file a claim following covered incidents. If approved, employers and their insured workers can receive essential financial aid up to a policy’s limits.

What Does it Cover?

Workers’ compensation insurance may include multifaceted coverage for various losses and expenses following a work-related injury or illness, such as the following:

  • Health care costs
  • Lost wages
  • Vocational rehabilitation
  • Disability benefits
  • Death benefits
  • Employer legal costs arising from lawsuits

Who is Required to Have it in Florida?

In Florida, most employers with at least four employees are legally required to carry workers’ compensation coverage. However, exact requirements may vary depending on a business’s unique circumstances, including its industry and the details of employment agreements.

Additionally, some companies, such as sole proprietors and partnerships, qualify for exemptions from these mandates, although securing coverage may still be advisable.

How to Get Workers’ Compensation Insurance in Florida

At INSANDTAGS.COM, our team is committed to helping employers understand and retain appropriate workers’ compensation coverage. Contact us today to learn more or to get a tailored workers’ compensation insurance quote.