Sanitation business owners in Florida require workers’ compensation insurance because it provides insurance coverage for workers if they suffer any illnesses or accidents while in the workplace. The post will provide a guide to sanitation business owners on everything they need to know about Workers’ Compensation Insurance in Florida.
What Is Workers’ Compensation Insurance and Why Is It Important?
In Florida, workers’ compensation insurance is an insurance policy that employers are required to purchase that offers coverage for rehabilitation costs, lost wages, expenses linked to illness and injury, and medical bills.
Reporting Workplace Injuries and Illnesses: Why it’s Important
It is essential to always report your illness or injury to your employer and you must do it within the set thirty-day period. Reporting injuries is essential so that a worker can get appropriate treatment.
Understanding Coverage and Benefits of Workers’ Compensation Insurance
Workers’ Compensation Insurance is a requirement for most employees in Florida. Coverage includes: permanent injury compensation, retraining costs, replacement income, and medical costs for illnesses or injuries.
Who Is Covered by Workers’ Compensation Insurance in Florida?
Florida laws state that businesses that have four or more employees are required to have workers’ compensation insurance. The insurance covers both part-time and full-time employees.
Choosing the Right Workers’ Compensation Insurance Provider
Selecting the best Florida Workers’ Compensation Insurance is essential for a sanitation business because it determines the benefits you receive. As a small business without a risk manager, you need to trust your insurance agent and allow them to use their wealth of knowledge to assist you.
When selecting the provider, ensure that they are readily accessible when you have queries about workplace safety, premium payments, and insurance claims. If you want to get value, always choose a provider that specializes primarily in workers’ compensation insurance.
How to File a Workers’ Compensation Insurance Claim in Florida
Below are some of the crucial steps you need to follow when filing workers’ compensation insurance claims in Florida.
Document details of the occurrence and obtain evidence
Seek medical attention
Report the injury to your employer
Follow up with your insurance claim
Ensure that everything is well-documented including the injury, medical records, and total medical costs
Be cautious with the insurance provider to ensure they don’t use the information against you
File a petition if your employer and the provider fail to resolve the dispute.
Exclusive Programs
Exclusive Programs represents more than one hundred insurance carriers. Our goal is to ensure that your sanitations business gets the best insurance products at the lowest price. Please contact us today to schedule an appointment with our WasteGuard program manager.
