Due to the potential liability a business carries if an employee becomes injured at work, workers’ compensation insurance is mandatory in Florida in most cases. There may be some small businesses and officers that may be exempt from obtaining compulsory workers’ compensation insurance. However, as an employer, it may be a good idea to obtain Florida workers comp insurance for your employees even if you are not required to do so.

Condominium insurance in Florida has been ignored by some who mistakenly thought they were covered through the master policy from their condominium association. However, as a condo owner there are significant gaps in coverage which you will carry if you don’t purchase your own personal condominium insurance policy for your unit.

Most Florida business owners with employees are reasonably well aware of the requirement to have Florida workers’ comp in place.  It’s easy enough for the owner of a small office based enterprise to consider the risk of employee injury low. However, the fact is that a great many claims relate not to injuries that result from sudden accidents, but to less obvious injuries that develop over time. Repetitive strain injuries can affect a worker’s back, hands, or arms and these types of injuries can and do result in time off work or even in surgical intervention in serious cases. Here are some of the ways these conditions can develop.

A small business owner in Florida, who runs a one-person operation, can be in a quandary when workload can’t be managed alone. Taking on an employee is a major financial commitment involving payment of wages, Florida workers comp and other costs, and it may be difficult to know whether there will be enough work to keep a new recruit fully occupied for the foreseeable future.

As an employer you will be painfully aware of the workplace accidents that happen to your workers, but have you ever wondered about the sorts of accidents that are most likely to be suffered by Florida’s workforce? Florida’s Division of Workers’ Compensation annual reports include statistics on the nature and cause of workplace injuries that result in lost-time Florida workers comp claims.