Workers’ Comp Insurance
It doesn’t matter how careful you or your employees are, accidents are bound to occur in a workplace. Because of this, it is very important to take the necessary precautionary measures to be able to protect your employees as well as your business if something ever occurs. Workers’ compensation insurance was created between business owners and workers to do just that. A workers’ comp insurance policy is able to provide employees with benefits for their injuries or illnesses occurring while on the job and during the course of employment. The policy may provide compensation for medical treatment, lost wages, temporary and permanent disability benefits, and death benefits to the family of the worker. In the State of Florida, employers conducting work are required to provide workers’ compensation insurance for their employees. The specific coverage requirements dictated by the law depend on the type of industry, number of employees and entity organization. At King Risk Partners, we can help you find a suitable workers’ compensation insurance for your business.
Workers’ Comp for Small Businesses
The State of Florida believes that it is an important interest of the state to ensure that workers who suffer an injury as a result of or related to work activities is provided with some form of relief. Because of this, the law requires that even small businesses obtain workers’ comp for their employees. All Florida employers with four or more employees working for them, be it full-time or part-time employment, are required to provide a business workers’ compensation insurance policy and maintain it. Many small businesses are hesitant about workers’ comp and often see it as a necessary evil. However, it is important to remember that workers’ comp was designed to protect both the employees and the employers. A worker’s injury can cost your business a substantial amount in employee medical expenses as well as productivity losses. Workers’ compensation insurance can help protect your business from such a financial impact. At King Risk Partners, we can help facilitate the process of obtaining a workers’ comp policy that provides your employees with the necessary benefits and protects your business at low premiums.
Workers’ Comp for High-Risk Industries
When it comes to high-risk industries, it is especially important to obtain the right workers’ compensation insurance because injuries can occur often and be quite severe. Florida law requires that employers in the construction industry obtain workers’ comp insurance as soon as they employ the first employee. High-risk industries such as construction often put employees at risk for spinal injuries, injuries from falls, broken bones, head trauma and lost limbs, all of which are very serious and very costly injuries often leading to long-term disabilities. Not having workers’ comp coverage, or the right amount of coverage, in these type of industries can lead to lawsuits that will cost your business even more time and expense. At King Risk Partners, we can work with other insurance agents through referrals. Agents who cannot cover a client due to high premiums can retain the client and refer him/her to King Risk Partners where we will do all the work while the original agent gets paid. Learn more about referring your client.
Workers’ Comp for Corporations
At King Risk Partners, we understand how busy corporations can be. This often makes it complicated for the business to dedicate substantial amounts of time to the workers’ compensation insurance finding process. However, corporations are still required by law to provide employees with the appropriate coverage. At King Risk Partners, we can take care of the workers’ comp policies for corporations to facilitate the process and obtain the right policy with adequate coverage.
Gainesville Workers’ Comp Insurance Company
Every owner wishes to have the best workers’ comp insurance that can protect his or her business by providing employees with all the necessary benefits in the case of a work-related injury. If you are looking for workers’ compensation insurance company that can provide you with the right policy, look no further. At King Risk Partners, we are dedicated to providing you the coverage you need to keep your business and employees protected. Contact us today for workers’ compensation insurance.