Florida business owners can breathe a little bit easier now after a 9.8 % percent decrease in workers’ compensation premiums was ordered for 2018. This is the first such reduction in recent history.
Florida’s workers’ compensation laws operate as a no-fault system that’s meant to benefit both employers and employees. It provides for medical benefits and a portion of lost earnings for employees who are injured at work. As part of the bargain between your job, the employer generally can’t be sued for causing injuries. Mind you that even if it is the workers’s own negligence which causes the accident, the work place’s insurance company is still responsible for handling the claim.
Who must have workers’ compensation insurance?
Florida’s general rule is that if you’re not in the construction business, you must have this insurance if you have four or more employees, whether they’re full-time, part-time and or seasonal. If you’re in construction industry, insurance is mandatory if you have one or more workers. Farmers with five or more regular employees, or 12 or more seasonal agricultural workers who work 30 days or more are also required to have coverage.
Of course you’ll need an experienced advocate on your side if you’ve been injured in as a Florida worker. As such, feel free to contact Coral Springs Workers’ Compensation Lawyer Evan M. Ostfeld, Esquire right away in order to protect your rights. Navigating the claim process yourself is extremely difficult in this complicated system. Oftentimes the employer is simply indifferent to your concerns. In fact, they or their insurance company might even delay or deny your benefits, regardless of the fact that you’ve been a dedicated worker with a valid work-related injury.
Remember that insurance companies are not your friends and are in business to make money. The way that they make it is by cashing premium checks and paying out as little as possible or even nothing on claims. Don’t be a victim twice! Contact Coral Springs Workers’ Compensation Attorney Evan M. Ostfeld, Esquire to arrange for a free consultation and case evaluation. Mind you that there are no legal fees or costs unless a court award or settlement.