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What Companies are Required to Carry Florida Worker's Compensation Insurance Coverage?

Worker's Compensation Insurance CoverageFlorida law requires that employers in the construction industry carry worker's compensation insurance coverage. Otherwise, if a company or business has more than four employees is required to also carry worker's compensation insurance.

As noted and required by Section 440.09, Florida Statutes - Florida Worker's Compensation Coverage, the employer is required to pay benefits and compensation to the injured worker if the injury arose out of the work performed by the worker that was done within the course and scope of the employment. The injury was be linked or proven within a reasonable degree of medical certainly to the work related injury or event.

From a practical standpoint, it is important that the employer, business, or company carry Florida Worker's Compensation Insurance. Even when required to have such insurance in place, many businesses, from a cost standpoint, make the decision to go bare. In other words, the business makes the deliberate decision to avoid carrying the required Florida Worker's Compensation insurance coverage. This can result in the worker having to pursue the employer for benefits and compensation that otherwise would have been available the injured worker. Many Florida Worker's Compensation attorneys will decline representation on a case that involves a small company that failed to carry coverage. The decision to decline a case does not mean the case lacks merit. It is similar to the analysis of a serious car accident case in which the at-fault driver / owner failed to carry the requested insurance according to Florida law.

Certainly, having a job is important. Many employees and workers do not bother asking the employer if there is worker's compensation insurance. If a worker has a choice and job options, the worker should avoid working for a company that cuts corners and does not bother carrying the required Florida Worker's Compensation insurance coverage.

There are a number of ways in which a worker can be injured on the job. For instance, a worker may be injured while operating heavy equipment or working at a height on a construction work site. A worker may also be injured when he or she trips and falls on the job. There may also be an injury caused by a neck or back strain when lifting or moving an item. It should be noted that an employer does not need to be at fault or negligent for a worker to be able to pursue a case or claim for worker's compensation in the State of Florida. Worker's compensation cases are governed by Florida law included in the Florida Statutes and related law. The laws have procedural and time limitations. As such, it is important for an injured worker to consult with a Florida Worker's Compensation attorney to discuss his or her legal rights and remedies in the aftermath of a worker related personal injury.

David Wolf is a personal injury attorney with over 30 years of experience. He is the author of 12 books that focus on personal injury matters. Attorney David Wolf handles cases throughout the State of Florida. He provides a Free Consultation on all Worker's Compensation and Personal Injury cases. Contact David Wolf for a Free Consultation. Contact David Wolf at (904) 500-WOLF or (904) 500-9653. You can also e-mail David Wolf at dwolf@davidalanwolf.com. David Wolf will be On Your Side - At Your Side.

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