Auto Insurance,Home,Business Coverage,County Insurance Group


Workers Compensation

This is a very important kind of insurance to protect  employees of any company. It provides for wage replacement and medical benefits to employees who are injured during the course of employment.  It usually protects employers from lawsuits by workers injured while working. On their part, they lose the right to sue the business for anything related to the accident. However, in Florida injured employees may sue their employers in certain situations.


Why do you need Workers Compensation Insurance

It is important to note that it is mandatory for businesses to have this insurance and the penalties for not taking out a workman’s compensation can be rather stiff. Premiums are based on the employer’s industry classification and payroll. Experience rating will adjust the premiums higher or lower due to the claims history as compared to similar companies in the same industry.

Experience rating uses two primary factors of loss frequency and the severity of losses. The premiums are more weighted to frequency than it is to severity. It is important to be allocated in the proper classification and that the computation for payroll and overtime are calculated properly.


State Of Florida Workers Compensation Laws

Florida Workers Compensation Laws  and requirements  must be followed by all employers and small business in the State Of Florida. Learn more State Of Florida

We have partnered with carriers that would provide the best suited policy for your needs