Who needs WORKERS COMP? Spoiler alert: if you're in Florida, you do!
In the Sunshine State, if you’ve got employees, you need Workers Comp. It’s not just a good-to-have; it’s a must-have—like sunscreen on a scorching beach day. Workers Comp ensures that when accidents happen (because let’s face it, even the best-laid plans can go awry), your team is covered for medical expenses, lost wages, and more. It’s peace of mind in a policy, ensuring your business keeps running smoother than a Florida orange.
What WORKERS COMP doesn't cover
Workers Comp is the superhero of insurance policies, but even superheroes have their kryptonite. For starters, it won’t cover injuries that occur because an employee was goofing off or under the influence.
Nor does it cover all illnesses, long-term conditions not directly caused by work, or injuries from a brawl that Dave from accounting started (Sorry, Dave). Understanding the limitations is key, ensuring you’re not caught off-guard.