What Does Workers’ Compensation In Florida Cover?

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Workers’ compensation insurance, often known as workman’s comp, covers employees hurt or sick due to their job. Disability benefits, wage replacement benefits, and death benefits are also within.

Workers’ compensation also decreases your liability for accidents and illnesses that occur on the job. Without coverage, your employees may sue you for medical expenses or lost wages due to a work-related injury or sickness.

Workers’ compensation insurance should be in most states for firms with employees. However, because each state has its own set of standards, your workers’ compensation insurance requirements will be determined by the state or states where you do business. In addition, you must purchase insurance from a licensed insurer.

What does Florida worker’s compensation cover?

Florida Workers’ compensation benefits can help cover the following expenses if your employee suffers a work-related accident or illness:

  • Health-care costs

  • Lost wages

  • Costs of ongoing care

  • Expenses for the funeral

If your employee is under any harm or sick outside of work, these workers’ compensation benefits aren’t available. In addition, employees who are inebriated and have an accident or purposely damage themselves may not be eligible for benefits.

Medical expenses

Workers’ compensation insurance helps your employee pay for medical expenditures incurred due to a work-related injury or sickness. Medical expenses can involve visits to the emergency department, procedures, and medicines. Workers’ compensation insurance, for example, can help cover the cost of a hospital visit if one of your electricians cuts their hand at a customer’s home.

Missed wages

If your employee needs time off to recover from a work-related injury or illness, workers’ compensation might assist restore part or all of their lost wages. For example, workers’ compensation coverage can help recover some of your restaurant chef’s lost pay if she spills boiling water on her arm and cannot work for two weeks.

Ongoing care

Some work-related injuries or diseases are severe enough to necessitate many treatments. Workers’ compensation insurance, for example, might help cover the costs of continuous care, such as physical therapy, if a warehouse employee injures their back while lifting heavy boxes.

Funeral costs

Workers’ compensation coverage can help cover burial costs and offer death benefits to your employee’s beneficiaries in the terrible event they die due to a work-related accident.


Working environments can occasionally expose your staff to dangerous chemicals or allergies, resulting in disease. Workers’ compensation insurance can help pay the costs of necessary treatment and ongoing care if an employee becomes ill due to a work-related incident or condition.

Repetitive Injury

A single stressful event causes not every work-related injury. Carpal tunnel syndrome, for example, might take months or even years to develop. Workers’ compensation might help cover treatment charges and ongoing care fees if your receptionist gets carpal tunnel syndrome due to years of typing with bad ergonomics.


Some workplace injuries are severe enough to render your employee temporarily or permanently disabled. Workers’ compensation insurance can benefit your disabled employees to assist pay medical bills and restoring missed wages.

Let’s imagine your foreman loses the use of one of his legs in a work-related accident and becomes partially incapacitated. As a result, he cannot work and requires ongoing medical and financial assistance. Workers’ compensation may help cover his medical expenses and supplement his lost wages through disability benefits.

Who is covered by Florida worker’s compensation coverage?

You can determine workers’ compensation coverage by several criteria, including specific job functions and the size of your company. Workers’ compensation coverage is present for full-time employees in most states; however, the requirements vary by state. In addition, workers’ compensation legislation covers contractors, temps, and interns in some states. Therefore, you must understand the need for workers’ compensation coverage in your state.

Some states do not require workers’ compensation coverage for the following situations:

  • Farmers

  • Insurance agents

  • Real estate agents

  • Casual workers

  • Family members under a certain age

  • Business owners and agents

State-mandated workers’ compensation insurance does not cover employees of the federal government. Instead, there is workers’ compensation from the federal government. Because these exceptions do not apply in every state, you should familiarize yourself with the workers’ compensation rules on your own.

Some states like Florida have minimum numbers of employees to determine if a business needs worker’s compensation insurance.

What is the Procedure for a Florida Filing a Workers’ Compensation Claim?

The procedures for filing a workers’ compensation claim differ from state to state. Regardless of where you are, it is critical to begin the claim procedure as soon as possible following a work-related illness or injury. This approach can be aided by understanding the following requirements and insights:

  • Ensure that any injured or ill personnel receive prompt medical attention.

  • Your employee or representative should contact you as quickly as feasible if they have suffered a work-related accident or sickness.

  • To file a claim, contact your workers’ compensation provider. It’s also possible that you’ll need to notify a state-run workers’ compensation board.

  • The claim will be under review by your insurance company, which will either approve or refuse benefits.

  • Benefits and compensation will be given to your employee if they are authorized.

In most states, your employee has a certain amount of time to disclose a workers’ compensation injury to their management. This period typically lasts between 30 and 90 days.

There may be a time limit when an employer can notify their insurance carrier of a workers’ compensation injury. Therefore, you must understand how your state’s claims process works and whether or not there are any coverage statutes of limitations.

What Florida worker’s compensation policy does not cover?

Followings are the exemptions from the worker’s compensation insurance:

  • No coverage for injuries caused by intoxication or drugs.

  • No coverage checkmark for damages claimed after being fired or laid off.

  • No coverage for injuries caused by corporate policy violations

  • Damages to independent contractors are not under insurance.



Contact a Florida Worker’ Compensation Lawyer


If you still have any worker’s compensation-related questions, contact a Florida workers’ compensation attorney to answer your questions.

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