Commonly Asked Questions About Workers Compensation Insurance Quotes

Why choose Kirstein Insurance Services?

“With all the existing companies in Florida that offer insurance services, why should I opt for Kirstein Insurance Services?” This is just one of the few questions we get from most of our clients. Our answer to this is just simple and straight: you should hire us because we are one of a kind insurance services company that is consists of a team of experts and for us, finding the best workers’ compensation insurance quotes and policies for you company is just as natural as breathing.

Is workers compensation insurance Florida important?

Each of the employers in Florida has to get a good compensation insurance policy for their employees not only because they are required by the law but also because doing so will help their business as well.

How does getting workers compensation insurance quotes helps your business? 

A good workers’ compensation insurance Florida is an affordable and excellent way to keep both your business and employees or workers always protected.  In cases when your employees get injured or when they meet an accident while on duty, the general liability insurance in Florida that you have will protect you and your business against lawsuit. Once your employee already received his benefit claims related to their injury, he also waived his own right to sue you or to file a complaint against your business or company.

This win-win arrangement does not only benefit your business but also your workers. You can be able to save a few thousands for posible lawsuits while your employees can receive wage replacement and medical benefits which is very helpful for them to recover from their work-related injury.

What are the parts of a worker’s compensation policy?

A typical compensation policy for workers generally includes six individual parts.
Part 1 : The coverage  of the policy is being clearly defined in the first part.
Part 2 : The policy’s liability coverage of employers are defined in the second part.
Part 3 : The coverage provided in other states, where it develops during the policy year, is defined in the third part.
Part 4 : The specification of the duties of the insured in the event that there is an on-the-job or work-related injury.
Part 5 : The procedure for rating.
Part 6 : Any and all conditions that apply to the specific policy.

Who shall have general liability insurance Florida?

The law states that if you run a business in Florida regardless of your industry and company size, and you have no less than three employees working for your company, you should avail of  a good Florida general liability insurance. Companies in the construction industry that has more than one worker are also obliged to have a workers compensation insurance policy in Florida.