Worker’s Compensation Insurance In Naples

If you’re a business owner, it’s important to have the appropriate insurance protections in place if an employee is injured on the job. Trying to obtain workers compensation coverage after the fact simply will not work. In other words, you need to be covered in advance. That’s exactly what a proper workers compensation policy does: It ensures that an injured worker's medical and financial needs are taken care of when accidents happen.

What is worker’s compensation insurance?

Worker's compensation insurance spreads and shifts the risk for on-the-job employee injuries from employers to insurance providers. Doing so protects the business from work-related claims and legal exposure. Business owners can breathe easier knowing employees will be properly cared for if an accident happens without posing a threat to the company’s profitability or to its solvency.

And workers compensation provides reimbursement regardless of who’s at fault for an on-the-job injury. If the injury occurs during the normal scope of normal job duties, workers compensation will pay all applicable benefits.

What does worker’s compensation cover?

Workers Compensation covers several expenses related to a worker's recovery from an on-the-job incident: lost-time payments, medical care reimbursement, and rehabilitative services payments.

When should i carry worker’s compensation?

In terms of required coverage, Florida workers compensation law provides business owners with greater flexibility compared to other states. However, even if you're not legally required to carry workers compensation, G&P Insurance recommends it. If an employee sustains an on-the-job injury, responsibility for related medical payments and lost wages will ultimately fall on you, the business owner.

For more information regarding Florida Workers Compensation, you can visit here.

How much does Worker’s compensation in naples cost?

The cost of worker’s compensation in Naples, FL varies depending on your agreed-upon values of the policy, chosen deductibles, insurability, and other factors. To request a free worker’s compensation quote, feel free to call us at (239) 353-3500 or fill out our online form.