Thrown out like trash! This momma and puppies were left by a dumpster like trash

Buy Workers Compensation Insurance

After you buy your coverage, you can rest assure that you most of your financial obligations for work related injury have been meet. Most does not mean all. Its practically impossible as a business owner to be completely assured due to the number of facets of operating and securing your business and the legal system.

Therefore, do the following after and during your policy:

1. Read It

Read every word of your policy. Take notes, mark it up. This document not only explains your obligations but the obligations for the insurer. They do make mistakes. If you do not understand the policy call your agent or broker. Make sure you are properly coded, it has a direct effect of your premium and can affect the application of coverage should an incident occur.

2. Confirm "COVERAGE B"

Make sure this is included and that you have an attached copy. Since the latest court decisions in Florida, this is a must have! This section provides insurance and defense cost for claims made and suits. They are not covered under the main part of the policy. Expense incurred for attorneys' fees and cost are extremely high and sufficient enough to severely cause financial damage to a small or med-size business.

3. Keep the Policy up to Date

If your business adds additional locations or if you expand out the state. The policy must be updated. Include the worker's compensation policy update on the check list of TO Dos as you expand your business. Failure to disclose to the carrier a location in another state could lead to declination of coverage.

4. Comply with Reporting

You must make sure that when you read the policy you outline the requirement for reporting a claim or a law suit. Failure to report within the time and manner stated could result in a coverage declination. Depending on the amount of awards and attorney's fees, this could be the end of the business.

5. Review the Annual Audit/Statement

It is important to review the information in your annual or quarterly statement. If your business was down, you may be entitled to a refund. On the other hand, if your business did good, you may owe. If you use a PEO, review your statement to verify coding, business qualifications and availability of discounts. Your broker should be in touch with you periodically to determine available discounted rates and services available.

After you buy your coverage, you can rest assure that you most of your financial obligations for work related injury have been meet. Most does not mean all. Its practically impossible as a business owner to be completely assured due to the number of facets of operating and securing your business and the legal system.

Therefore, do the following after and during your policy:

1. Read It

Read every word of your policy. Take notes, mark it up. This document not only explains your obligations but the obligations for the insurer. They do make mistakes. If you do not understand the policy call your agent or broker. Make sure you are properly coded, it has a direct effect of your premium and can affect the application of coverage should an incident occur.

2. Confirm "COVERAGE B"

Make sure this is included and that you have an attached copy. Since the latest court decisions in Florida, this is a must have! This section provides insurance and defense cost for claims made and suits. They are not covered under the main part of the policy. Expense incurred for attorneys' fees and cost are extremely high and sufficient enough to severely cause financial damage to a small or med-size business.

3. Keep the Policy up to Date

If your business adds additional locations or if you expand out the state. The policy must be updated. Include the worker's compensation policy update on the check list of TO Dos as you expand your business. Failure to disclose to the carrier a location in another state could lead to declination of coverage.

4. Comply with Reporting

You must make sure that when you read the policy you outline the requirement for reporting a claim or a law suit. Failure to report within the time and manner stated could result in a coverage declination. Depending on the amount of awards and attorney's fees, this could be the end of the business.

5. Review the Annual Audit/Statement

It is important to review the information in your annual or quarterly statement. If your business was down, you may be entitled to a refund. On the other hand, if your business did good, you may owe. If you use a PEO, review your statement to verify coding, business qualifications and availability of discounts. Your broker should be in touch with you periodically to determine available discounted rates and services available.

Thrown out like trash! This momma and puppies were left by a dumpster like trash. Mom is bald, covered in mites and skin and bones! There is 6 sweet babies that are about 6 weeks old ! This family needs our help! DogRRR Nation we need you we need two things we need donations and fosters.

Please if you ever were on the fence of fostering this is your chance the puppies are old enough to be separated! Please consider donating to their care! Dumped like trash 💔 Family in need! We have rescued them but they have no place to go HELP!

FB threat here
Workers' compensation benefits are a type of insurance that is meant to accommodate employees who need medical care as a result of job-related injuries. Employers are obligated by law to provide workers' compensation insurance coverage for their employees in the case they sustain serious injuries related to occupational exposures. These policies generally include provisions for accidental injury, but many people are curious about other types of harm, such as disease or illness.

Continue reading to learn more about how illnesses are dealt with under standard work injury recompense policies, and who to trust for accurate advice regarding your potential claim.

Workers' Compensation for Sickness and Disorders

When an employee accepts workers' compensation, they are forfeiting their rights to sue their employer for negligence. This is because compensation is awarded to cover medical expenses, hospital bills, prolonged physical therapy, lost wages, economic losses, damages, and more. This allows victims to afford recovery. In most cases, work injury recompense is provided for victims of physical injury, but it must also be provided for employees who suffer from job-related sicknesses, illnesses, long-term conditions, and psychological disorders.

Stress-related conditions like heart disorders, digestive problems, and psychological issues are also commonly covered under most workers' compensation insurance. And long-term illnesses, such as sickness caused by working with toxic substances, loss of hearing, repetitive motion injuries, and vision problems may also be covered by workers' comp insurance. In order to be eligible for work injury recompense coverage for theses aforementioned conditions, an illness must have been caused by, and occurred during, an individual's time of employment.

Learn About Your Potential Workers' Compensation Claim

Even though an illness or disorder cannot be attributed to one isolated accident or event at work, it does not mean that it is not a valid workplace injury claim. Talk to a licensed and experienced personal injury lawyer about your rights as a victim of long-term illness or conditions related to your job responsibilities and environment.

They can give you accurate information regarding the unique circumstances and details of your claim, and develop a strong, impactful case to recover the fair compensation you deserve. It is important to hire a lawyer that can comprehensively represent you and your case, in attempt to recover compensation for your damages, such as lost wages, medical expenses, hospital bills, prolonged therapy, and more. Just be sure to get started as soon as possible to avoid exceeding your state's statutes of limitations for filing such claims.

Every state sets its own requirements for workers compensation insurance policies and coverage. That's why it's so important to take a closer look at what your state may require, and to ensure you stay in compliance with all of the latest regulations. Here, we'll offer a rundown of Florida workers compensation requirements and how they break down their mandates.

The state of Florida has regulations for this which are a bit more complex than some other states. They offer two different ways essentially of breaking down their requirements, based both on business size, as well as industry type.

One reason for this is the prominence of the agricultural industry in Florida, which is different from many other states in the country. Not only is it a huge industry in the state, but also as opposed to certain other areas, it's highly seasonal.

Therefore, agricultural businesses who either have 12 seasonal employees, for 30 days or longer, or those who have six regular employees throughout the year, are required to have workers compensation coverage.

Meanwhile, in the construction business, there is no employee minimum. The mandate is that any employer in the construction industry must provide workers compensation insurance, with no exceptions.

Agricultural and construction are the two industries with their own rules. For all other businesses across their myriad industries the requirement or minimum is for four or more employees.

Employees may be either full-time or part-time in all instances above. That's to prevent employers from keeping more part-time employees simply to avoid insurance and other responsibilities. Businesses with corporate structures, board members, and so forth, may be able to apply certain waivers or exceptions, but those can be handled on a case by case basis.

Another factor to keep in mind is when your policy may expire and in turn need to be renewed. There is no strict mandate on what this date is in Florida. That said, for many businesses the expiration date will be set for the end of the calendar year, on December 31st. It's important to keep that in mind for your end of the year planning then.

For any business owner or manager who's trying to properly maintain their coverage for this and all other types of insurance or business bonding, it's important to work with a local expert who can help guide you through the process. Always consult with a pro before handling any matter on your own, to be sure that you're completing all of the necessary steps and are doing so in the right fashion.

John Rothschild is the owner of ACI Insurance Services, a leading provider of Florida workers compensation insurance for more than 10 years. ACI is known for their customer service, their extensive experience and knowledge of the industry, and their affordable rates, and they'll do everything they can to meet the needs of their clients.

They also provide additional services for businesses, including all types of business bonding and insurance. Visit USACommercialInsurance.com to receive a free commercial insurance quote or call 844.467.4878 to speak with a representative for assistance.

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