Workers' Compensation Insurance is Essential for Your Business


If you have employees for your business, then you are legally obligated to cover the cost of work-related injuries at your company. Because of this, it is strongly recommended that you carry Workers’ Compensation Insurance. In many cases, you can purchase a special policy through your private insurer to cover Workers’ Compensation.

In addition to having insurance, you must be sure to also follow all safety regulations. This can help prevent accidents from occurring and keep your workers safe from harm. These regulations are in place not only to keep your workers safe, but to help protect you from lawsuits. You must be sure that you do everything possible to prevent injuries of your workers.

If your employees are injured while they are working for you, then you are liable for any costs that arise from those injuries. This included injuries that are obtained while in the workplace, or while workers are out on an assignment at another location. Fortunately, workplace injuries are very rare, especially when your facilities are up to code and your employees follow the safety standards.

Even with Workers’ Compensation Insurance, workplace injuries can be very expensive. Your goal as an employer should be to reduce the likelihood of workplace injuries. This can be done by eliminating all safety hazards and implementing procedures that make safety a core part of your company.

According to the Bureau of Labor Statistics, more than three million workers in the United States are injured on the job every year.  Florida enforces a no–fault workers’ compensation system, which means injured workers receive compensation regardless of who caused the accident.  Many times, an injured worker is entitled to compensation benefits even if the accident was caused by his or her own negligence.

Are you interested in learning more about Workers’ Compensation, or do you need legal help with a Workers’ Compensation lawsuit? Kurkin Forehand Brandes Workers’ Compensation attorneys zealously defend employers, insurance companies, third-party administrators and government bodies against workers’ compensation and insurance liability matters.