St. Augustine's Workers Compensation

Job-related injuries or illnesses are common in today’s world.

Workers’ compensation insurance (workers’ comp) is designed to protect employers and employees in the event that injuries occur at work, occupational diseases are contracted, or either occurs off site while working.

In Florida, you are required to carry worker’s compensation insurance if your business is not construction related and you have four or more employees, including owners (owners may be excluded from coverage if they wish, but they do count toward the total number of employees a company possesses). If you are a contractor, you are required to have workers compensation insurance for your first employee.

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Understanding Workers Compensation Inurance

Workers compensation is insurance paid by companies to provide benefits to employees who become ill or injured on the job.

Through this insurance program, workers are provided with benefits and medical care, and employers have the assurance that they will not be sued by the employee.

Workers compensation is also referred to as “workers comp” and sometimes called “workman’s comp”. The cost of workers compensation insurance in Florida is based upon State of Florida rates depending on the job class. The carriers that Norman Insurance Advisors represent have been carefully chosen due to their commitment to loss control, claims management and the availability of safety dividends. Safety dividends can make up to a 50% difference in the cost of workers compensation, proving that not all workers compensation pricing is the same.

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