workers compensation
The following blog posts have the category Workers compensation
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Whether you specialize in carpentry, web design, or accounting, the availability of online resources and professional networks enables almost anyone to engage with potential clients and manage essential day-to-day business tasks independently. This growing pool of freelancers and self-employed professionals has simplified the process for employers, making it easier than ever to hire independent contractors to fulfill specific business needs.
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As a business owner in Florida, you have the option of hiring contract or permanent employees – and many more businesses are using contract workers while sorting out the uncertainty in the economy. A contract employee is essentially a freelancer who has agreed to work for you for a mutually-agreed upon period of time, which may be extended if you see fit. A permanent employee has been hired with the understanding that he or she will go on working for you until a termination or a resignation. Both types of employees have their advantages and disadvantages. Some of the advantages of contract employees, however, are illusory.
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When an employee in Florida gets injured on the job, the negative repercussions can affect everyone. Worker's Compensation Insurance ensures that both employees and employers are protected in the event of a worker accident, illness, or injury.
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Although the range of different products manufacturers produce is huge, with only a few exceptions the risk exposures differ more in degree than in kind.
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Construction Contractors Need Special Types of Insurance
Construction businesses need the same kind of insurance as other businesses, but special situation unique to the building trades mean you often need supplemental insurance. Examples include insurance floaters to cover equipment and machinery in transit or during testing; builders risk policies to cover the ever-increasing value of a structure as a job moves toward completion; bid or other bonds may be required for many jobs.
Artisan contractors like carpenters, roofers, electricians and plumbers often have basic insurance needs taken care of through a Business Owners Insurance Policy (BOP), but a BOP isn't designed to provide coverage for all business risks, especially those faced by contractors. Floaters may be necessary to cover equipment; business auto insurance may be needed to cover trucks used primarily in business, and many states require contractor employers to provide workers compensation insurance.
No matter if your food service establishment is a cafe, deli, diner, or upscale restaurant, all such businesses share certain common risks.
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