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First Florida Underwriters Insurance blog

Does Your Florida Business Need Worker’s Comp Insurance?

One of the greatest challenges in life is running your own business. At the same time, you carry a lot of responsibility when it comes to resolving problems or making financial decisions. The right insurance coverage from First Florida Underwriters Inc will protect your company against common business risks like natural disasters, liability issues, and employee injuries. If your business in Orange Park, FL employs four or more workers, you are required to carry worker’s comp insurance to protect your employees. Here’s how this coverage works to protect your business.  

Covers Worker’s Injuries

Accidents have a way of happening in even the safest work environment. A worker may slip on a wet floor and get a concussion or strain their back doing the heavy lifting. Worker’s comp covers the medical expenses of employees who are injured on the job to protect your business revenue. This coverage includes doctor and hospital bills, medications and rehab, if needed, for recovery.

Covers Lost Wages

If a worker can’t return to work right away due to an injury, the worker’s comp helps cover his lost wages so he can continue to pay his bills. If he suffers a permanent disability due to a work-related injury, worker’s comp may cover his income for the remainder of his life. Worker’s comp may also provide death benefits to an employee’s immediate family if an accident results in a worker’s demise.

Minimizes Risk of Lawsuit

By protecting your employees with worker’s comp, you minimize the risk of workers filing a lawsuit for compensation of a work-related injury. It also helps you retain solid workers with valuable experience and training.

To learn more about worker’s comp coverage or to purchase a worker’s comp policy for your Orange Park, FL business, talk to an agent from First Florida Underwriters Inc.