Protect Your Business
If you own a small business in Florida, you are generally required to have workers’ compensation insurance. Workers’ comp covers medical expenses and a portion of lost wages for employees who accidentally become injured on the job. Workers’ comp also protects you, the employer from getting sued. Understanding state requirements can be difficult, but AAAble has 30 years of experience working with trusted carriers to deliver the most affordable plans.
Who needs workers’ compensation insurance?
Florida law requires workers’ compensation depending based on the type of industry and number of employees in an organization. For instance, if you own a business in the construction industry, then you must have workers’ comp even if you are the sole employee. If you are a contractor, you are also responsible for guaranteeing that subcontractors have the required insurance before beginning a project. If not, you are liable for any work-related accidents. If you own a non-construction business and employ four or more employees, then you need workers’ comp insurance. Call us today to discuss your small business and let us provide free quotes, instantly.
What does workers’ compensation cover?
Workers’ compensation guarantees benefits to employees who suffer illness or injury related to job duties or employment. For example, workers’ comp insurance covers injuries caused by heavy equipment, slipping and falling, and fires or explosions. Workers’ comp also covers a portion of lost wages, rehabilitation, and death benefits where applicable.
Remember, workers’ comp insurance also protects your business. As long as you obtain the legally required coverage, an injured employee cannot sue for damages, lost wages or rehabilitation within the parameters of the plan.
Can I find affordable workers’ compensation?
Yes! Florida workers comp base rates are mandated by the state, but vary depending on your company’s industry, payroll, and claims history. AAAble seeks every available discount and provides free competitive quotes. Contact us or enter your zip code to learn more about your coverage options.
Our Service Areas
Our Florida-based staff serves Davie, Fort Lauderdale, Hollywood, Cooper City, Lauderhill, Tamarac, Margate, and Miramar with rapid insurance and tag services.