Make sure that you discuss the following coverage options with workers compensation insurance companies in Florida to make sure that you get the best coverage available. Your policy should cover your employees in the event of a workplace injury or illness for any of the following circumstances.
Workers compensation insurance policies should cover an employees’ lost wages when they are unable to work. No matter the severity of the injury, employees need to be able to seek medical care. While they are being treated, your workers compensation insurance will help them maintain the same stream of income they had before the accident.
Medical Expenses Incurred
Of course, a good workers compensation policy should cover all medical expenses that were incurred as a result of the accident. Employees should remember to keep a record of all receipts and invoices they receive for payments made for medical treatment.
There are unfortunately times when an accident that occurs at work causes permanent disability. In this case, a workers compensation policy should give the employee at least as much as it costs to bring him or her back to as close a life to what they were experiencing previously.
As a business owner and as an employer, one of your responsibilities should be to provide your employees with adequate workers compensation insurance. As you shop around workers compensation insurance companies in Florida for a new policy, make sure to find out whether the policy sufficiently protects you from liability and your employees from further injury.