Workers Compensation Insurance

Serving all of Florida with competitive workers compensation insurance since 1907. For a free workers comp insurance quote call (386) 734 3970

Employees are the heart and soul of any business. As a business owner, you count on your employees for dependable as well as specific skills and knowledge. It is important that as an employer your employees can count on you to take care of them if an accident happens on the job with adequate Workers Compensation Insurance coverage.

Workers Comp is compulsory form of business insurance in the State of Florida, and in most cases, mandatory by law. Failure to carry or meet state regulations as far as workers compensation insurance is concerned can result in not only having to pay benefits out of pocket, but penalties levied to the state of Florida as well. Workers compensation insurance may be provided by a private insurance carrier, or depending on the size of the business, may opt to self-insure.

Gould has been providing workers comp insurance services to business owners for over 100 years.

At Gould we offer competitive workers compensation insurance markets. These markets include options such as monthly reporting, online portals, and on-site support.

The agents at Gould will take your business information and work with you to find a carrier that suits you and your businesses specific needs. We have access to multiple A-rated carriers that ensure seamless and easy binding of coverage and processes for keeping coverage current and costs as low as possible so that you and your employees can focus on what you do best.

At Gould, we work for you. Here are some features of a workers-comp insurance policy.

Our workers compensation insurance options include:

• Flexible payment options – we now offer low down payments as well as monthly self-reporting. This allows you to have a more accurate rate from month to month.
• Incurred as well as paid-loss retro plans.
• Monthly loss reports.
• Return to work program. This program is designed to help you get injured workers back on the job after a work-related injury.
• The online business center option we offer allows you to check claims activity, report payroll, view billing, and more.

Loss Control

• Survey of your workplace.
• Advise specific to your industry in order to identify hazards and prevent accidents.
• Workplace safety as well as Drug Free workplace assistance programs.
• Training opportunities as well as Educational Classes.

Claims

• Claims services that are specific to the needs of your business.
• Claims review by nurse case managers and on staff medical directors.
• Adjuster caseloads beneath the industry average – thus allowing more time to focus on the injured worker.
• Fraud Investigation.

As an independent workers compensation insurance agency, we present a clear advantage over the competition

This means more often than not we are able to find you the best coverage for your specific needs at the best price. Every business is different. With that being said, it is important to speak with someone experienced in the field.  With over 100 years of workers comp insurance experience, you can be sure that we have the knowledge and expertise place you with the carrier specific to you and your needs that will keep your business successful. As an independent agency we are able to survey the entire workers comp insurance market and tailor a policy that is tailored to your specific needs.

Scenarios that can give rise to a workers-comp insurance claim include:

• An injury that occurs to an employee in an auto accident while running work related errands
• An employee suffers carpal tunnel syndrome from working on a computer
• An employee is injured while handling heavy merchandise
• and more

Workers comp benefits include:

• Protect your business and its assets
• Pay part of lost wages if an injury on the job results in time away from work
• Pay medical expenses for an injured employee
• Temporary total disability
• Temporary partial disability
• Permanent partial disability
• Permanent total disability
• Rehabilitation temporary total disability
• Death benefits

Are you workers comp exempt?

There are certain instances that you as a business owner are exempt from workers comp insurance coverage. If your business has fewer than four employees, you may be exempt from the workers comp act. As far as domestic servants are concerned (such as a house maid) employers may provide voluntary workers comp coverage. If you are unsure whether you are workers comp exempt or not it is important to speak with someone knowledgeable in the field to be sure as to whether you are exempt or not.

When it comes to finding competitive workers compensation insurance in the State of Florida look no further than Gould. 

To speak with an agent at Gould in regard to your workers compensation insurance needs feel free to give us a call at (386) 734 3970