Medical expenses
Review how work-related injuries or illnesses are addressed.
BUSINESS PROTECTION
Workers’ Compensation
Workers’ compensation addresses work-related injuries and illnesses under the law and policy. In Florida, requirements depend on business activity and structure.
UNDERSTAND YOUR OPTIONS
What this insurance may address
Protection related to employees' work-related injuries or illnesses.
Wage-loss benefits
Ask how disability benefits are determined under applicable law.
Employers liability subject to terms
Confirm the scope of employers liability in the proposed policy.
A situation to consider
When you hire staff or change the type of work, review classifications, estimated payroll and applicable requirements.
QUESTIONS WORTH ASKING
Start your quote with clarity.
- How many employees do you have and what work do they do?
- What is estimated payroll by activity?
- Do you use subcontractors or have exemptions to verify?
PREPARE FOR THE CONVERSATION
Have these handy if available:
- Work performed by each employee
- Estimated payroll by type of work
- Use of subcontractors
- Current policy and renewal date
Our team can explain any additional information a carrier requests.
FREEDOM INSURANCE
You may also explore
BUSINESS
Business owners policy (BOP)
A package for eligible businesses that combines several protections in one policy.
Learn more ↗
BUSINESS
General liability
Protection against certain third-party claims related to your business operations.
Learn more ↗
BUSINESS
Employment practices (EPLI)
Options for claims involving certain employment practices.
Learn more ↗Learn more from official sourcesRead this official guide ↗
This is general information. Coverage, limits, exclusions, eligibility and pricing depend on the insurer and policy. Confirm your options with our team.