Workers Compensation

Seaman’s Insurance Group, St Augustine’s Premier Boutique Surety Bond and Insurance Agency that specializes in helping small to mid-sized businesses with their workers compensation and other insurance needs. One area of note is Workers Compensation Insurance. Seaman’s Insurance Group is St Augustine’s Premier Boutique  Surety Bond and Insurance Agency, proudly serving the First Coast, St. Augustine, Jacksonville, Ponte Vedra Beach, St Augustine, Palm Coast & Beyond!

Workers Comp

Workers Comp provides coverage for medical care of employees injured while they are at work.  The purpose of the workers compensation law is intended to provide employees injured on the job with coverage that will pay for lost wages, medical care and when appropriate vocational rehabilitation.

Employees and Employers have Responsibilities with regard to Workers Compensation

Employees and Employers have Responsibilities with regard to Workers Compensation.  The employer has a responsibility to provide insurance coverage or maintain a self-insurance fund in addition to posting information required by their state in an area that is easily accessible for the purpose of protecting employees because it also serves to protect the employer.  An employee is responsible to read the information posted and to report injury or job related illness within a certain time frame.  Failure by either party to comply can be very costly.

Workers Compensation Protects

Workers’ compensation insurance protects employers and employees because of or in case the event of an injury occurs at work or occupational diseases are contracted, or either occurs off site while working.

Who needs to buy Workers Comp Insurance?

You may ask Who needs to buy Workers Comp Insurance?  In Florida, employers are required to carry worker’s compensation insurance if their business is not construction related and you have four or more employees, including owners (owners may elect be excluded from coverage by filing with the state of Florida if they wish, but they also count toward the total number of employees a company possesses). If you own  a contractor business, you are required to have workers compensation insurance for your first employee.

Contact Seaman’s Insurance Group today for all of your business insurance needs, including Worker’s Compensation.