During the COVID-19 pandemic, Florida lawmakers are reminding business owners about the importance of having worker’s compensation, which is a required form of business insurance for most entities. Below, learn the key details about worker’s compensation in light of the recent pandemic. 

Who Is Eligible for Worker’s Compensation? 

The state government is reminding employers that worker’s compensation is designed to protect employees who are injured during their job duties. This form of business insurance extends to cover frontline workers who could contract COVID-19 on the job, such as healthcare employees, law enforcement officers, correctional officers, state employees, and Florida National Guard members who are working during the pandemic. 

Through worker’s compensation business insurance, frontline workers who contract COVID-19 could receive much-needed help with medical bills, coverage for lost wages, and rehabilitative care. Florida is among the handful of states that have extended these protections to frontline workers.

What Do Employers Need to Do?

As an employer, it’s essential to always have up-to-date worker’s compensation insurance. This protects your employees from being burdened with heavy medical bills and wage losses following a workplace injury. It also helps insulate you and your business from costly litigation and fines due to not carrying the right type of insurance. 

In regards to the pandemic, consult with your insurance agent to make sure you fully understand what is and isn’t covered by worker’s compensation, especially if you employ frontline workers. A thorough understanding of what’s included in your worker’s compensation policy can save you a significant amount of time and energy if any issues come up. The protections under worker’s compensation for other types of essential workers, such as store clerks, are on a case-by-case basis. However, if you have concerns about your particular situation, it’s best to speak with your agent. Lastly, it is important to keep an open line of communication with employees so that you have ample time to act if anyone starts showing symptoms of COVID-19. 

If you need a worker’s compensation insurance policy or have questions about the impact of COVID-19 on this form of business insurance, contact Lamarca Insurance. Located in Port Charlotte, FL, they offer business coverage as well as home, life, auto, and health insurance. Their knowledgeable agents can assist with any type of coverage that you may need. Learn more about their worker’s compensation insurance online or call (941) 206-0033 to speak with an agent.