Workers Compensation Insurance in Miami, FL

Providing comprehensive assistance to injured workers, healthcare providers, and employers seeking workers compensation insurance in Miami and beyond.

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What is the Importance of Workers' Compensation Insurance For Businesses?

Workers’ compensation plays an integral role for all types of businesses, wherein it handles the payments for medical bills, disability benefits, and recovery costs for employee injuries during work. If an employee dies while working, workers’ compensation and liability insurance death benefits and covers funeral costs for the family of the deceased employee.

Other than medical expenses, it also provides full coverage for lost wages during the time the employee is injured. By making it a legal requirement for commercial organizations, Florida officials have made sure that businesses take care of employee safety and minimize lawsuits against employers.

How can Workers' Compensation Insurance Improve the Quality of Work in Florida?

Each state has its own set of rules regarding workers’ compensation, and Florida is no exception. The Florida law highlights basic concepts about how businesses should incorporate workers compensation policy into their practices. When an employee gets injured while completing a work-related task it is natural that medical expenses will be incurred. Hence, the employee can claim the businesses workers’ compensation insurance. If the insurance company accepts the claim, the employee will receive funds to pay for medical bills and an additional disability plan. Once employees know that their safety is a serious concern for employers they’d be willing to risk it all for the company.

What Type of Coverage Does workers' Compensation Provide?

Workers’ compensation insurance covers the immediate cost of medical care for work-related injuries, such as ambulance rides, surgical procedures, emergy room visits, and other medical bills. Aftercare services such as physical and medical rehabilitation are also covered. It also covers a chunk of the wages an employee loses due to occupational illness or injury. Moreover, it also offers coverage for fatal workplace incidents in the form of funeral costs and death benefits for the family of the deceased. Lastly, a worker may sue the company for lack of workplace safety. In this case, this insurance would cover attorney’s fees, court costs, and resulting settlements.

Do Self-Employed workers Need Workers' Compensation Insurance?

The answer to whether self-employed individuals, independent contractors, and sole proprietors need workers’ compensation insurance lies in the nature of the work they perform. Florida law demands that self-employed individuals involved in the construction industry.

In contrast, if you’re working in an industry with a low risk of workplace accidents and have no employees working under you, it may still be a good idea to opt for coverage. Even if you’ve got medical insurance as a backup and get injured while working, workers’ compensation will reimburse you for lost wages during your recovery period and other expenses that may not come under your medical insurance.

What Happens if You Need to Buy More or Cancel Your Workers' Comp Insurance After Some Time?

At any given moment after purchasing your workers’ comp Miami you may decide to add additional options to your existing insurance policy or cancel it altogether. When this happens, there are different ways to approach each option and their distinct effects and repercussions, mentioned below, that your business may need to bear.

Buy More Insurance Later

If you hire additional employees in your company, the premium of your workers comp insurance Miami is bound to change accordingly. Adding insurance after some time is not a tedious task. Your insurance agent can easily increase the coverage amount with further assistance if you wish to purchase more insurance policies.

Canceling Your Insurance

Canceling your policy after a short amount of time, you can encounter the risk of paying more coverage amount later. Businesses that abruptly start and cancel their insurance are charged higher rates by workers' comp insurance companies. Your business also becomes prone to several risks that could otherwise be avoided.

Workers' Comp Insurance

Who Needs Workers' Compensation Insurance in Florida?

Partners & sole proprietors

Partners and sole proprietors are not bound by the workers' compensation Miami law but can still opt for it to achieve additional coverage.

Construction companies

Construction businesses are obligated to have workers' comp insurance, not only for employees but also for contractors. Additionally, need to ensure their subcontractors have coverage for their employees.

Agricultural Businesses

Agricultural businesses that have 6 or more workers, and/or seasonal employees greater than or equal to 12 that work beyond 30 days need workers comp insurance in Miami.

Workers' Compensation Insurance 101: A Guide to Protecting Your Business and Employees

Workers’ compensation Miami was designed to ensure the safety and well-being of an organization’s workers, given that an employee is injured, ill, harmed, or dies while on an organization’s premises.


The basis of this insurance policy is to effectively cater to the damages or disabilities caused to an organization’s workers by covering their medical bills and providing them with a lost wage compensation via the workers comp insurance companies to assure their speedy recovery and a safe return to their job.


Benefits of Buying a Workers’ Compensation Insurance

While one may consider the compensation for lost wages as the sole benefit of the workers compensation insurance, this policy has more to offer than just a single gain. If an employee fulfills the eligibility criteria for the workers compensation act, they may be exposed to various benefits, including the coverage of rehab expenses, medical expenses, and legal expenses. The medical costs comprise multiple tests and screening of the patient, medicinal drugs, hospitalization room charges, routine follow-up session fees, and physical or occupational therapy. The coverage of rehab expenses includes language or speech therapy, muscle movement to regain flexibility in limbs, strength, and balance training until the employee returns to their previous healthy state.


When signing up for the workers compensation Miami, a company’s worker doesn’t have to worry about paying their medical expenses or showing up to their job to get their daily wage, which leads to a stress-free and speedy recovery without the added burden of finances and loans looming over the employee’s head. This not only ensures restores a peaceful state of mind of the affected or injured employee, but it also makes them feel like an asset to their organization as their long work hours, dedication, and efforts are being paid off.


Furthermore, looking at the duration of an illness, either short or prolonged, the employee is paid according to the intensity and the time required to recover from a disease or injury. The medical expense can be paid altogether or can be paid monthly/ weekly.


In the unfortunate case of the death or murder of a worker, workers’ compensation insurance employs survivor benefits. To gauge a more detailed analysis of what benefits one can attain under the Miami workers’ compensation, one has to look at the type of injury or illness affecting the employee and its severity level.


The Four Fundamentals of The Workers’ Compensation Law

Whether you plan to buy an insurance plan or have already purchased a worker compensation insurance plan, here are the four fundamentals of the worker compensation law that you must know.


No proof of injury is required by the worker.

According to the law for worker compensation, Miami, a worker affected by an injury does not need to prove that they received an injury or point fingers at their colleagues or employer. The only proof required is that the employee received the damage while on duty. Additionally, this law generally covers all medical expenses but does not cover injuries that happened somewhere other than the business premise.


Immediately report the injury.

The worker compensation law in Florida asks workers to report their injury 30 days from the date of the damage. As for illnesses that are diagnosed over an extended period of time, the person is given 30 days to report the injury after the diagnosis has been made. Furthermore, one should immediately report the injury to their employer, as it can result in the inability to attain the insurance benefits, even though one may have acquired a legitimate injury.


Your worker compensation wage will not always be equal to your standard wage

The compensation wage one receives depends upon the severity of the injury. In comparison, the worker compensation, Miami provides a 100% weekly wage compensation. This means that one may receive an average of 860$ per week. It is also important to note that the wage compensation for disabilities is paid in percentages. The following three types of wage compensation benefits are provided for people with a disability:


Temporary partial disability- if a person is partially disabled and is unable to perform the job that he or she was previously performing, then they will receive 80% of the wage that they were previously earning, along with whatever they can earn now.


Temporary total disability- in case of a total disability that occurs for a brief period of time and is recoverable through treatment, then one may receive 66% of the wage they previously earned.


Impaired benefits– under this law, people who have incurred a disability that has caused a permanent impairment or loss of functioning are covered.


Limitations of the insurance

With the numerous benefits of insurance come a few limitations as well. The worker compensation insurance is in charge of appointing a doctor, which leaves you with no choice but to choose your regular doctor under this law. Moreover, the compensation and liability insurance only ensures that your job position will stay vacant while you’re not working. Your employer may hire a new candidate to replace you or keep your post vacant.


The Common Obstacles to Attain The Workers’ Compensation Insurance

Acquiring the workers compensation insurance plan requires registering a complaint and getting it approved. It can be challenging as they can deny your complaint. The Division of workers compensation, Florida, can disqualify your complaint based on lack of evidence or insufficient information.


Workers’ compensation companies may deny that the injury was induced in a work setting by claiming that the injury took place at home or somewhere else. They may claim that your suffering is not a result of an injury you incurred at work.


The Division of worker compensation may also disapprove of the benefits you require for a prolonged disability. In the case of a broken limb that requires long-term rehabilitation, the authorities may refuse to provide such long-term benefits.


Why You Should Consult Us to Buy A Workers’ Compensation Insurance Plan

As you already know, the innumerable benefits offered by the worker compensation plan, it will only be wise enough if obtained from a reputed organization with knowledge about the benefits and specifics of the insurance plan. GGA Insurance Group holds decades of expertise in this field, providing insurance products from the global market to safeguard your business and increase your chances of driving higher profits without additional worries about employee safety. Contact our team today for your free quote.

What is the Difference Between Workers' Comp Insurance and Disability Insurance?

The terms of workers’ comp insurance and of disability insurance do have some similarities, wherein they both cover monetary aid for workers who have suffered work-related injuries, however, they’re not the same. For starters, businesses are required by the state of Florida to buy workers’ compensation for their employees for which they have to pay the premiums.

Florida law doesn’t state any requirements for them to pay for disability insurance as well. If they still offer it through a group health insurance policy, employees won’t be required to make any contributions. If not, then employees may have to apply for disability insurance independently with the help of the federal government. The coverage of the two types of insurance policies is also different. Where workers compensation insurance covers damages and illnesses stemming from workplace tasks, disability insurance covers illnesses and accidents that keep you from working but aren’t related to work.

injured worker lying on warehouse floor

What Risks Are Involved By Not Having Workers' Compensation For Businesses?

Businesses that don’t have workers’ compensation insurance can receive a stop-work orders demanding all commercial operations to come to a halt until you comply with the law and pay the designated penalty. The penalty amount is usually equal or two times more than the insurance premium you would have paid for the previous two years. Failure to compy with the stop-work order can result in criminal charges. Moreover, you can also receive a stop-work order if the payroll is concealed or understated, employees tasks are concealed or misrepresented, or if you try to avoid financing worker’s comp insurance premiums.

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What Steps Should Employees Take After Sustaining An Injury or Illness From The Job?

As an employee, you must know how to claim your worker’s compensation insurance. The four steps mentioned below show a step-by-step approach you must take after an injury or work-related illness.

The Florida law states that employees must notify their employer of any workplace injury or illness, within 30 days of procuring the injury or illness. It must be your top priority to make your employer aware of the injury, almost immediately. If you do so after the 30-day period has passed, then your employer has the right to legally reject your claim for workers comp in Miami. While a verbal notice is suffice, it is advisable to inform your employer through an email, so you can present it as proof to the authorities.

Receiving immediate treatment for your workplace injury is paramount, not only for your own livelihood but also to safeguard your rights, even if you don’t deem it as a serious wound. Make sure to tell your doctor that the affliction is a result of a workplace incident and narrate the details about the accident and your symptoms so they have a clear picture of your condition and can maintain medical records that can be used to establish validity if anyone questions your workers comp Miami claim. Neglecting a doctor’s consultation can make your employer liable to reject the claim with the excuse that the injury possibly came about outside of work.

A record of your own notes can prove to be productive if your workers’ compensation and liability insurance claim is questioned. Write down the dates of the days you’re going to miss work due to the injury, if you’ve contacted a doctor or undergone any tests, jot down the specifics of the appointment such as date, place, time, results of the tests, and the medical bills. If you purchase medicines or any medical device to aid with your recovery, or if you’ve spent money on any other procedure to contribute to your rehabilitation, put that in writing and attach any proof of such activities as well.

Seven days are allotted to employers after they have been notified about the injury or illnes to relay the report to their Miami workers comp insurance companies and to submit a copy of the report to you as well. Three days after they’ve received the report, the insurance company with contact you wiht further details and next steps to take for workers’ compensation. However, if its been over ten days and you’ve not heard back from the insurance company, and are unsure about whether your employer disclosed the information to the insurance agents, you can consult an attorney and protect your interest.

How Can I Buy Workers' Compensation Insurance For My Florida Business?

If you’re looking for workers’ compensation insurance for your business in Florida you can refer to a private insurance company, a licensed broker, or an agent in your state.

Fortunately for you, getting worker’s compensation in Miami is now easier and faster than ever before with the help of insurance providers such as GGA Insurance & Bonds. At our firm we do not believe in complicating the process of getting workers’ compensation for businesses. This is why we focus on a speedy andmore economical procedure for workers’ compensation coverage. With the assistance of our proprietary tools and advanced technology we’ve succeeded in creating a blueprint for quick provision of workers’ compensation insurance without a suffocating process. Get your insurance quote today and see for yourselves how easy and cost-effective protecting your business can be!

Frequently asked questions

Employees that perform desk jobs or low-risk tasks are cheaper to insure. Moreover, small businesses can opt for pay-as-you-go workers compensation and liability insurance. Not only does this have a low upfront premium, but it also allows you to make payments according to your actual payroll. This is an effiicent option for businesses that hire seasonal help. Contact GGA Insurance & Bonds today to learn more about the many benefits of workers compensation insurance Miami.

After the death of an employee, their family can receive death benefits within a year after the accident or five years of constant diability. In both these cases, the family of the deceased is owed up to $75,000 for funeral expenses, educational benefits for a living spouse, and upto $150,000 as compensation for dependants.

According to the Florida law, workers can claim benefits within two years of receiving the injury. However, this limit doesn’t apply if the employee is a minor, mentally incompetent, and misled by the employer or insurance agent about coverage claims. Furthermore, there is no limit in Florida for care concerned with medical prosthetic devices.

Employer’s liability comes under workers comp insurance Miami and protects employers from lawsuits regarding employee injuries, such as complaints that the accident was caused due to the employer’s negligence. Employer’s liability insurance is included as part of the wokers’ comp Miami. However, if that isn’t the case you can always add it separately.

Any limited liability company in Florida that has employees needs workers compensation Miami. If there are no employees in an LLC, then the requirement for workers’ comp depends on the number of executive members or officers they have and other aspects related to the business.

The cost of Miami workers compensation depends on the nature of work performed by your employees. Thus, it is vital that you provide accurate classification of your employees to prevent getting tangled up in lawsuits and penalties. Each employee must be designated a class code represnting their work environment and risk level.

The Florida law clearly classifies the type of injuries covered by workers comp in Miami insurance. These guidelines include any injury that falls under the “course and scope” of employment, injury due to long-term occupational hazards, the work worsened a pre-existing condition, and if the injury was not a result of intentional self harm, substance abuse, or fighting.

As per Florida law, workers can claim workers’ comp insurance in Miami after a work-related injury even if they are at fault. However, if they were intoxicated at work or involved in fight and received injuries as a result of these scenarios, they could be denied the benefits that a workers’ compensation and liability insurance entails.