Dr. Phillips: 407-855-1000
Winter Park: 407-629-6020

Blog

All posts in Workers Compensation

11 Myths About Florida Workers Comp Insurance (That You Probably Believe)

11 Myths About Florida Workers’ Compensation Insurance (That You Probably Believe)

Posted on January 9, 2020 by Jason Levine in Workers Compensation with Comments Disabled

You’ve heard of workers’ compensation. You may even have had employees who needed it when they were injured at work. But there are also many myths and misinformation about Florida workers’ compensation insurance that you might believe.

Misinformation that could be preventing you from getting the best coverage.

As a Florida insurance agency, our goal is for all of our clients to have the right amount of workers’ compensation coverage for their property, person, and business. And—whether you work for or own a small business—you need to know the truth about Florida workers’ compensation insurance.
Read more →

Should I File For a Workers' Comp Exemption?

Should I File For a Workers’ Comp Exemption?

Posted on August 19, 2019 by Jason Levine in Workers Compensation with No comments

Workers’ compensation insurance is a crucial—and often mandatory—part of owning a business in Florida.

But if you’ve owned a business for some time (or spent enough time around insurance agents), you might have heard of some business owners filing for a workers’ comp exemption.

Filing a workers’ comp exemption is a complex issue that should not be taken lightly. There are requirements that must be met and proper procedures to follow.

So what exactly is a workers’ comp exemption, how does it work, and is it right for you?
Read more →

Here's why general liability insurance coverage isn't enough to protect your business.

Why General Liability Insurance Coverage Isn’t Enough

Posted on April 11, 2019 by Jason Levine in Commercial Insurance, Commercial Insurance, Coverages, Employment Practices Liability Insurance, Error & Omissions, Error & Omissions, General Liability Insurance, Professional Insurance, Workers Compensation with No comments

Most business owners hear the phrase “general liability insurance” and assume that they are covered against “general” liabilities.

This assumption could not be further from the truth.

The fact is, as a business owner, your general liability insurance coverage isn’t enough to protect your business from every foreseeable risk.

Read more →

What Is Workers Compensation Insurance? (And Why Do You Need It?)

Posted on February 13, 2019 by Jason Levine in Employment Practices Liability Insurance, Workers Compensation with No comments

You may have seen attorney commercials on TV talking about workers compensation claims. Maybe you know someone who was injured on the job and needed to be on desk duty until their foot healed.

Or maybe, most importantly, you’re starting a business and need to purchase workers comp insurance for yourself.

But what is workers compensation insurance, exactly? And do you really need it?

Read more →

Insurance for contractors

Insurance for Contractors (What It Is & Why You Need It)

Posted on October 2, 2017 by Jason Levine in Commercial Insurance, Professional Insurance, Workers Compensation with No comments

Carrying the right insurance for contractors is just as important as having the right drill bit: it can keep you in business for years to come.

Construction projects are, by their very nature, filled with risk: heavy tools, sharp objects, demolition…need we say more? So when your customers trust you with their homes or businesses, it’s vital to earn and keep their trust; you can do this best by providing top-notch work and protecting them (and yourself) from that risk.

How can you do that? It’s all about having the right insurance policy.

In this article we’ll talk about the different types of insurance for contractors and how to use your coverage to increase your clients’ trust.

Read more →

9 types of restaurant insurance you needed yesterday

9 Types of Restaurant Insurance You Needed Yesterday

Posted on July 11, 2017 by Jason Levine in Commercial Insurance, Coverages, Employment Practices Liability Insurance, ID Theft, Power Outage, Spoilage, Workers Compensation with 1 comment

Owning a restaurant is a dream you’ve held for years and now it’s coming true! You’ve thought about your menu, seating options, even your logo, but have you thought about restaurant insurance?

Between your inventory, customers, and the business itself, restaurants carry a large amount of risk. But your pizza parlor, bakery, or cafe is also your livelihood. Is that a risk you’re willing to take? Having the right restaurant insurance policy can prevent you from having to kiss your dream goodbye.

So let’s take a look at 9 essential types of restaurant insurance that will keep you in business for years to come.

Read more →

Does your business need insurance even if you run an LLC out of your home? Yes!

Does Your Business Need Insurance?

Posted on March 1, 2017 by Jason Levine in Commercial Insurance, Professional Insurance, Workers Compensation with No comments

Let’s say you run a small business from your home. You don’t have employees; customers don’t come into your store (so no risk of them slipping on a wet floor and suing you); and your custom-designed hair bows aren’t going to injure anyone. Does your business need insurance?

In short, yes.

No matter how safe your business is—or how careful you are—there’s no such thing as a “risk-free” business.
Read more →

Workers Compensation – The Pitfalls of Trying to Cut Costs

Posted on August 26, 2016 by Kathy Barton in Workers Compensation with No comments

As Workers Compensation rates in Florida soar, with more potential double digit rate increases looming, small businesses are trying to find creative ways to cut their costs on workers compensation coverage.  The end result can be very costly for the business owner. Some people are trying a new, creative way to cut costs and that is to report lower than actual payroll, so that the initial cost will be lower. There are agents out there that will allow this, and will sometimes encourage it to get your business in the door.  Don’t do it. It is a trap!
Read more →

What is Worker’s Compensation Insurance?

Posted on July 29, 2014 by Jason Levine in Commercial Insurance, Coverages, Workers Compensation with No comments
I don't safety standards allow this anymore!

I don’t safety standards allow this anymore!

 

 

 

Here is a brief introduction into Worker’s Compensation Insurance

Q.  What is Worker’s Compensation Insurance?

A.  Everyone who owns a business with even a single part-time employee needs Worker’s Comp!  Worker’s Comp is an amazing product that essentially voids an employee’s ability to sue an employer for negligence/liability in the event of a workplace injury.  It provides a stated limit of liability for employer negligence and unlimited coverage for covered workplace injury treatment.  If an employer doesn’t have Worker’s Comp they are risking their business.  Absent coverage employees may directly sue their employer.  Everything from keyboard induced Carpel Tunnel Syndrome to catastrophic accidents are covered.
Read more →