Injuries, Accidents, and Florida Workers Compensation Insurance

As the owner of a business that has four or more employees, if one of your employees is injured on the job in the Sunshine State, or sustains an occupational disease or illness as a result of their employment, you’re going to have a Florida workers’ compensation insurance claim to deal with. The only exception is if you’re an employer in Florida and you work in construction you must provide workers’ compensation coverage regardless of the number of employees.

Employees that sustain an injury arising out of, and in the course of employment, or any disease or infection as a result of a work-related injury are entitled to compensation under the law. The only requirement is that the injury or illness must occur within the scope of their employment. This means that injuries occurring during commuting or during non-work related activities usually will not be covered under a workers’ compensation claim.

Common job related injuries

Some typical job related, industrial injuries include:

  • Back strains/sprains
  • Knee injuries
  • Elbow injuries
  • Shoulder injuries, and injuries related to lifting, or pulling/pushing heavy objects

Occupational illnesses can include anything from toxic exposures over a long period of time, to conditions such as carpal tunnel syndrome, which is common for workers who spend an inordinate amount of time working on computers, or performing other repetitive tasks.

Workers are responsible for reporting their workplace injury or work-related illness to their employer as soon as the accident or injury occurs, or as soon as possible. When an employee is involved in a work-related accident, the state of Florida requires that they report the incident to their employer within 30 days of the date of the accident.

Also, if a doctor informs the injured party that they are suffering from a work-related injury or illness, they are again required to report the injury or illness to their employer within 30 days of the date that their doctor told them this information. Failure to report within the timeframe required will often result in denial of any workers’ compensation claim.

Workers compensation laws are in place to protect the employer as well as his or her employees. Having Florida workers compensation insurance in place provides necessary benefits that can have a lasting effect on the employer-employee relationship.