Workers Compensation

WHAT IS WORKERS COMPENSATION?

Workers’ compensation provides medical expenses, lost wages, and rehabilitation costs to employees who are injured or become ill as a result of their job. It also helps protect employers from potential damages that could harm a business based on workers’ comp claims. It is important to note that workers compensation does not cover negligence of an employee.

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WHO NEEDS WORKERS’ COMPENSATION INSURANCE?

• Construction Employers who have 1 or more employees, including any non-exempt business owners
• Non-Construction Employers who have 4 or more employees including any non-exempt business owners
• Agriculture – when there are 6 regular employees and/or 12 seasonal workers who work more than 30 days during a season, but no more than a total of 45 days in a calendar year

Exemptions are available to business owners who opt out of the insurance coverage protections for themselves and who meet the requirements for an exemption.

• The purpose of filing an exemption is for an officer of a corporation or member of a limited liability company to exclude themselves from the workers’ compensation laws. Upon issuance of a Certificate of Election to be Exempt, the officer or member is not an employee and may not recover workers’ compensation benefits.

If you have additional questions or inquiries, you may visit The Division of Workers Compensation in the state of Florida for more details and up to date information https://www.myfloridacfo.com/division/wc/ . You can also contact Client Care Insurance for a quote or additional information.

MAJOR TYPES OF BUSINESS INSURANCE