☰ ˟
Get In Touch / 321.206.8035
Get A Quote
Garzor Insurance Logo
  • Home
  • Get A Quote
  • Customer Service
  • What We Offer
    • Business & Commercial
    • Bonds
    • Commercial Auto Insurance
    • Contractors Insurance
    • Non-Emergency Medical Transportation
    • Professional Liability Insurance
    • Restaurant, Bar, & Tavern Insurance
    • Trucking
    • Workers Compensation
  • Blog
  • Resources
    • Refer a Friend
    • Event Calendar
    • Important Links
    • Insurance Glossary
    • Frequently Asked Questions
  • About Us
    • About Garzor Insurance
    • Our Locations
    • Employee Directory
    • Our Partners
    • Customer Testimonials
    • Privacy Policy
  • Contact
    • Contact Us
    • Client Login
    • Join Our Newsletter

What type of coverage do you need?
Home > Blog > Workers Compensation in Times of COVID-19 - Garzor Insurance
MONDAY, JANUARY 17, 2022

Workers Compensation in Times of COVID-19

Garzor Insurance Workers Compensation

 

 

 

Florida/Texas—As we enter our third year of the pandemic, we are still learning lessons, which are important to document for our own benefit, but for to also provide greater assistance for future generations.

 

Most business owners are well aware of the benefits provided by a workers compensation policy. In Florida it is required by law for most employers, and in Texas although not required, it is highly recommended because this policy provides important protection against medical expenses and employee lawsuits related to workplace injuries.

 

Small businesses find workers compensation essential for three reasons:

  • Most states require workers compensation coverage.
  • It covers medical expenses and partial lost wages due to a work injury.
  • Most policies also cover the cost of employee lawsuits related to a work injury.

 

In many states, workers compensation policies include employer’s liability insurance to protect your business if an injured worker files a lawsuit against you for not preventing a workplace accident.

 

If an employee sues for negligence, your insurance company would pay for:

  • Attorney’s fees
  • Court costs
  • Settlements or judgments

Also, most workers compensation policies include death benefits. These help a deceased employee’s loved ones pay funeral and burial costs after a fatal workplace accident in addition to financial assistance for the deceased employee’s family.

 

Regarding COVID-19 cases, workers deemed “essential" including health care workers, mass transit operators and grocery store workers - are for obvious reasons at a high risk of exposure to the virus. Some states have extended workers compensation coverage to these, and other essential employees. A common approach is to amend state policy so COVID-19 infections in certain workers are presumed to be work-related. This, however, does not represent a guarantee that it would be covered in all states. Your state's laws could potentially help cover costs related to COVID-19. If you think you might be eligible for a claim, contact the claims department of your insurance company.

 

A concern of raising insurance costs for employers at a time when many businesses are facing serious financial challenges remains, and is being followed closely.

 

Workers' compensation insurance is required for all Florida businesses with four or more employees. Construction businesses must have coverage for every employee.

 

There are special considerations for some employees, including corporate officers:

 

  • Sole proprietors and partners are automatically excluded from workers compensation law, but they can purchase coverage by filing for election of coverage.
  • Construction businesses are required to carry workers compensation insurance for every employee, including contractors. They can exempt up to three corporate officers if each can demonstrate ownership of at least 10% of the company. In addition, contractors are responsible for ensuring that their subcontractor provides coverage for their workers.
  • Agricultural businesses with six or more regular employees and/or 12 or more seasonal employees that work for more than 30 days are required to provide coverage.

 

At Garzor Insurance we care about your business. Our experienced professionals are dedicated to providing commercial insurance, including business general liability coverage in Florida as well as Texas, and now many other states across the U.S. If you have questions about truck insurance, or any other commercial insurance aspects, please do not hesitate to visit us online at Garzor Insurance, or you may want to call us directly at (321) 206-8035. 

 

Garzor Insurance

Yaralyn Diaz, CSR

Commercial Lines CSR

Emailaddress

 

Profile

 

 

 

 

 

 

 

Posted 4:15 PM

Tags: covid-19, business insurance, texas, florida, workers compensation
Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2025
  • 2024
  • 2023
  • 2022
  • 2021
  • 2020
  • 2019
  • 2018
  • 2017

  • florida(147)
  • insurance(110)
  • business(77)
  • texas(71)
  • orlando(63)
  • commercial(46)
  • commercial insurance(40)
  • georgia(28)
  • business insurance(27)
  • workers compensation(19)
  • small business(14)
  • truck insurance(10)
  • general liability(9)
  • hurricane season(8)
  • commercial vehicles(7)
  • transportation(7)
  • coverage(6)
  • covid-19(6)
  • hurricane(6)
  • professional liability(6)
  • holidays(6)
  • liability(6)
  • holiday season(6)
  • commercial auto insurance(5)
  • central florida(5)
  • garzor insurance(5)
  • flood insurance(5)
  • risk management(5)
  • california(4)
  • restaurant(4)
  • restaurant insurance(4)
  • small businesses(4)
  • bop(4)
  • sba(4)
  • business owners(4)
  • medicaid(3)
  • pandemic(3)
  • business owners policy(3)
  • workplace(3)
  • trucks(3)
  • safety(3)
  • nemt(3)
  • contractors(3)
  • fleet insurance(3)
  • supply chain(3)
  • preparedness(3)
  • risk(3)
  • irma(3)
  • auto(3)
  • contractors insurance(3)

View Mobile Version

Our Customer Feedback

Read More

Our latest blogs

  • Carrier
  • Carrier
  • Carrier
  • Guard Insurance Orlando
  • Carrier
  • Carrier
  • Carrier
  • Carrier
  • Carrier
  • Liberty Mutual Insurance Orlando
  • Nationwide Insurance in Orlando
Garzor Insurance
4369 Hunters Park Lane.
Orlando, Fl 32837
(321) 206-8035
Garzor Insurance is your local Commercial Insurance agency, offering a wide spectrum of business and commercial insurance options.
We support Florida business owners in finding the right coverage at the right price. Orlando, St. Cloud, Kissimmee, Apopka, Clermont, Melbourne, Lakeland, Jacksonville, Ocala
**New Office in Houston, Texas**
We're here for you
Home Page/ About Us/ Contact Us/ Our Blog/ Events/ Refer A Friend/ Our Partners/ Client Login
Quick Help Links
Quote Forms/ Service Forms/ File a Claim/ Make a Payment/ Insurance Glossary/ FAQs

Icon Icon
        

 

Icon Icon Icon
Social Icon Social Icon Social Icon Social Icon Social Icon
© Copyright. All rights reserved. Powered by Insurance Website Builder