When is workers compensation insurance required in florida

Travel expenses to and from an authorized treatment center or pharmacy are also covered by workers comp in Florida. Wage replacement benefits are available if your earnings are lower because of a work-related injury. The wage replacement will equal two-thirds of your regular weekly wage prior to the injury.

Temporary total disability benefits are provided as a result of an injury or illness that temporarily prevents you from returning to work. Temporary partial disability benefits are offered when a doctor releases you to return to work with restrictions.

Permanent impairment benefits are available when the injury or illness causes physical, psychological or functional loss on a permanent basis. Permanent total benefits are provided when the injury causes you to be permanently and totally disabled. Death benefits are paid for deaths resulting from workplace accidents and include the payment of funeral expenses and dependency benefits.

Workers compensation benefits for lost wages start on the eighth day that the injured employee is unable to work. There are situations excluded from workers compensation coverage in Florida. These include a mental or a nervous injury due to stress, fright or excitement. In addition, workers compensation will not be paid in Florida if the injury is caused primarily because the employee was intoxicated or under the influence of drugs.

Self-insured businesses in Florida can also get these credits. Each of these programs must be renewed every year. You can get workers compensation insurance in Florida by contacting a business insurance agent. There is no need for Florida employees to worry about paying any part of a workers compensation premium. Reporting Workers Comp Injuries Florida employees are encouraged to report work-related incidents involving injuries and illnesses as soon as they occur.

Out-of-State Contractor Information. Specific employer coverage requirements are based on the type of industry, number of employees and entity organization. To determine coverage requirements for a specific employer, the following information is provided by the Bureau of Compliance. Need assistance? Call , Email or Visit Us. Factors that influence price include:.

Start a free instant quote online to see how much coverage will cost for your business. With our online services, you can get a quote, review coverage options, purchase insurance and have your certificate of insurance in about 10 minutes. Start an instant quote online today. If you need some help during the process, our team of U. Professional liability insurance provides financial protection against claims of professional mistakes and negligence.

In Florida, all business-owned vehicles must be covered by commercial auto insurance. Login Get Instant Quote. Featured in:. Who Trust Us? Professional Liability insurance a. Commercial Auto insurance In Florida, all business-owned vehicles must be covered by commercial auto insurance. Clicking that will give you an option to either put in an email address and have us send your certificate, or copy a link which you can send to anyone you like that will take them to your Live Certificate.

Injuries Where do I get a supply of injury report forms that I am required to complete when one of my employees is injured? For more information please review Rule 69L What kinds of employee injuries are covered?

The law covers all accidental injuries and occupational diseases arising out of and in the course and scope of employment. This includes diseases or infections resulting from such injuries. The law also covers death resulting from such injuries within specified periods of time. For more information please review Sections What injuries are not covered?

The law does not provide compensation for the following conditions: Mental or nervous injury due to stress, fright, or excitement; Work related condition that causes an employee to have fear or dislike for another individual because of the individual's race, color, religion, sex, national origin, age, or handicap; "Pain and suffering" has never been compensable in Florida, nor is it compensable in any other state.

The employer may not sue an injured worker for causing a catastrophe nor can the injured worker sue the employer for their injury. This trade-off makes it possible for injured workers to receive immediate medical care, at no cost to the injured worker, without any consideration for who was at fault, the employer or the employee.

In civil law, negligence must be established through litigation before any compensation is awarded. Compensation will not be paid in several other instances: If the injury is caused by the employee's willful intention to injure or kill himself or another; If the injury is caused primarily because the employee is intoxicated or under the influence of drugs; If the injury or death of the employee is covered by the Federal Employer's Liability Act, the Longshore and Harbor Workers' Compensation Act, or the Jones Act if the injured worker is a "seaman" or member of a crew.

For more information, please visit www. Can an employer be liable for double compensation? An employer can be liable for double compensation if a minor child is injured while employed in violation of any of the conditions of the child labor laws of Florida.

The employer alone, not the insurance carrier, is liable for up to double the normal compensation as provided by the Workers' Compensation Law. As a small business owner, I fail to see how I can be sued by an injured worker if I provide all the necessary care, light duty work, and offer to retrain the employee after the injury occurs. Under the provisions of Chapter , Florida Statutes, an injured worker has two years from the date of the accident to file a petition for benefits with the Division of Administrative Hearings.

If an employer is providing benefits and return to work options, that should be sufficient to meet the ultimate goal of returning an injured worker to gainful employment.

When that happens, the injured worker has no remedy except to file a petition for benefits and have a judge of compensation claims determine whether the benefits that are being provided are sufficient, or if additional benefits not being provided are required by Florida law. If the employer is providing benefits, all expenditures must be reported to the employer's workers' compensation insurance carrier for statistical purposes.

If I suspect that the worker who claims to have sustained an injury is faking, what do I do? Make certain that the claim is filed and discuss the situation with your insurance carrier. Gaines Street, Tallahassee, Florida , or to the toll free hotline number at Suspected non-compliance can be reported to the Florida Division of Workers' Compensation, Bureau of Compliance 's toll free hotline at Anonymous calls are accepted.