First Choice Insurance of America provides businesses throughout Florida with Workers Compensation insurance to help both employers and employees in the event of a work-related injury or illness. The policy pays for the employee’s recovery needs as well as lost income that results from the injury or illness. It will help with hospital and physician bills, medications, physical therapy, and other recovery-related expenses. The policy also protects the employer from lawsuits stemming from workplace injury and illness.
If the employee is disabled because of a work-related occurrence, Workers Comp insurance will respond, whether the disability is temporary or permanent
Since Workers Compensation is a mandatory insurance coverage for companies with employees, you can’t really avoid it, but that doesn’t mean it has to be painfully expensive. We will help you understand how to best present your company’s strengths to insurers and how to tackle your weaknesses so you can improve your safety record, claims experience, and premium.
We will help you review your experience modification (e-mod), loss history, and claims reserves for accuracy and to identify where any problems may lie. We will also help you classify your employees properly to avoid any surprises at audit time
Many operations conduct business activities out of the state or send employees on business travel. If you have out-of-state operations, let’s talk about what benefits your Workers Compensation policy affords beyond the Sunshine State borders.
Many of our Workers Compensation insurers offer early return-to-work programs and loss-reduction programs, and we have numerous resources from OSHA and other regulators and associations that can help you improve safety and reduce Workers Comp claims.