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13510 A Hutchison Blvd
Panama City Beach, FL 32407

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Workers Compensation in Florida

As a Panama City Beach, FL business owner, you must carry workers' compensation insurance. In Florida, the law requires most employers to carry this insurance, and it covers employees who are hurt while on the job, regardless of fault. If you aren't sure if you need to carry this insurance, you should understand why workers' compensation insurance is so important.

It's the Law

In Florida, you are required by law to have workers' compensation insurance. If an employee is injured and it is determined that you don't have workers compensation insurance, you would be required to pay double of what you would have paid in insurance for the length of time that you went without insurance in the last two years or a minimum fee of $1,000, whichever is greater. If it is discovered that you don't have workers' compensation insurance, your business will take a big financial hit.

You Have Employees

Your employees are your business's biggest asset. Without good employees, work will come to a grinding halt. If you have workers' compensation insurance, you can be sure that your employees are safe. Even if you are running a business that is considered safe, such as an accounting firm or a doctor's office, you still need the insurance. If your receptionist slips on a wet floor and breaks their ankle, your employee and business will be protected.

You Operate a Risky Business

There are some jobs where on-the-job injuries are more common than others. A few examples include:

  • Roofing
  • Electricians
  • Construction
  • Welders
  • Plumbing

Because on-the-job accidents are common with these jobs, you should have adequate workers' compensation insurance to protect your business and your employees' livelihood.

You Don't Want a Lawsuit.

The last thing any business owner needs is a lawsuit. If you are sued, you are looking at a payout that could be thousands of dollars if you lose the case. A lawsuit can also give you and your business a bad reputation. The time that you spend in court will take time from revenue-generating projects.

When you have workers' compensation insurance, your employees will be protected, and you can avoid an expensive lawsuit.

If you are planning to open a new business, you should make sure you have workers' compensation insurance before opening the doors. The professionals at Hall Insurance can set you up with a policy that will provide the coverage your business and employees need.

To get your policy started, give us a call today.


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