Comply with state laws
Avoid fines
Protect your employees
Protection from lawsuits
...'cause they can get hurt
Healthcare businesses in Florida face daily challenges, from patient care to staff safety in high-stress roles. Whether you're running a doctor’s office or group home, risks like lifting injuries and bloodborne pathogens are common.
Workers' compensation insurance covers medical costs and lost wages if an employee is hurt, protecting both your team and your business. Stay compliant and safeguard your team with the right coverage.
Healthcare workers face unique risks daily. Here are some common injuries:
In Florida, healthcare businesses with four or more employees are required by law to carry workers' compensation insurance. This includes both full-time and part-time staff, such as nurses, medical assistants, and administrative personnel.
Failure to meet this requirement can result in significant penalties, including stop-work orders and fines. Learn more about Florida Workers' Compensation Laws here.
Workers' comp insurance provides protection to both the employer and the injured worker. Like other types of insurance, it’s there to help in the event of an incident.
If a worker gets hurt on the job, the insurance company will help pay for the costs associated with their care so the worker is provided for until they return to work.
Since the company had an active workers' comp policy, they are not responsible for paying the medical bills.
For more details on class codes, visit this detailed guide: Workers’ Comp Code for Healthcare
8824 - Retirement Living Centers: Health Care Employees
8824 - Assisted Living Facilities, ALF: Health Care Employees
8824 - Nursing Homes, SNF: Health Care Employees
8826 - Retirement Living Centers: All Other Employees
8826 - Assisted Living Facilities, ALF: All Other Employees
8826 - Nursing Homes, SNF: All Other Employees
8831 - Veterinary
8832 - Physician & Clerical
8832 - Dentist & Clerical
8832 - Health Clinic or Urgent Care
8833 - Hospital: Professional Employees
8835 - Home Health Care / Home Health Aide (0942 in PA)
8842 - Group Homes - All Employees & Salespersons, Drivers
Here’s how to save money:
Classify your workers correctlyFor example - Employees who do clerical work have a different code (8810). Lumping them together with manual labors will increase your premium.
Don't underestimate your payroll
If your payroll is more than was estimated at the beginning of the policy, it will be discovered at audit and you will be billed for the difference.
Have a clear process to report claims
...and make sure your employees know about it. This will make the entire experience easier for all involved. It can even help keep your costs down!
Report every incident- even if it didn't result in a large injury. Some things which seem insignificant can snowball into costly issues.
Yes, if your contracted phlebotomists are uninsured, their wages will likely need to be included in your workers' comp policy. Collecting a COI from them can help avoid this.
Volunteers typically aren’t included in a standard workers’ compensation policy. To protect them, you’ll need to add a volunteer endorsement to your coverage.
Unlike other online insta-quote systems,
here your quote is reviewed by experts
A Step-by-Step Handbook for Small Businesses - you don't want to skip this!
By entering your email, you agree to our Privacy Policy.
Arkansas
Connecticut
Florida
Georgia
Missouri
North Carolina
Oklahoma
Pennsylvania
Rhode Island
Tennessee
Texas
Virginia
See all
© 2024. All Rights Reserved | Sitemap | Terms & Conditions | Privacy Policy
5148 US-9, Howell, NJ 07731
The information on this website is not intended to serve as insurance advice. All content provided is for general informational purposes only.
For advice tailored to your business insurance requirements, fill out our online application and speak with one of our licensed insurance professionals.
