Workers’ Compensation Insurance Policy for Marketing Agencies in Florida
Although marketing agencies are relatively safe environments for employees, workplace accidents can happen. That is why Florida typically requires Workers’ Compensation insurance for marketing agencies.
Most marketing agencies in Florida need Workers’ Compensation coverage. The deciding factor is payroll. Workers’ Compensation insurance is necessary for remote workers of marketing agencies as well, even if they work from home. As long as your marketing agency has four or more workers at any given time in Florida, it will need coverage. Although marketing agencies present little danger to employees, workers might sustain repetitive motion injuries from typing or be injured in common office accidents, like slip and falls. Because marketing agencies are not considered high-risk, Workers’ Compensation premiums are typically low for these companies in Florida.
For more insight into what NPN Brokers can do for you, call our Florida Workers’ Compensation insurance brokers now at (866) 340-9120.
Florida Marketing Agencies that Need Workers’ Comp Insurance in Florida
Most marketing agencies, whether big or small, need Workers’ Compensation insurance coverage in Florida. While the industry does not determine the need for coverage for marketing agencies, payroll does.
Any company that employs four or more marketing employees in Florida is required to have Workers’ Compensation coverage. This is the rule across the board for all non-construction companies in Florida, including those that might see few workplace accidents like marketing agencies.
Because the threshold for payroll is so low, most marketing agencies will be required to get and keep Workers’ Compensation coverage. Our Workers’ Compensation insurance brokers can help you understand your coverage requirements so that your marketing agency has the proper insurance before starting out. Failure to adhere to these requirements will likely result in expensive financial penalties from the state as well as other consequences that might harm a marketing agency’s reputation and its ability to achieve success and retain clients.
Workers’ Comp Insurance for Marketing Agencies with Remote Employees in Florida
Today, many marketing agencies have gone either partially or fully remote, allowing employees to work from home. Taking this route for your employees will not alleviate your marketing agency’s Workers’ Compensation insurance requirements in Florida.
Even when marketing agencies in Florida are fully remote, they must typically get Workers’ Compensation coverage. Employees might still sustain injuries while doing activities that fall under the scope of their responsibilities, even when working from home. Workers’ Compensation insurance does not just apply to employees injured while physically present at their place of work in Florida.
That said, fraudulent Workers’ Compensation claims might be more prevalent among remote workers, as there may be little proof that an on-the-job accident occurred. Our brokers can help you navigate remote work injuries so that they do not negatively impact your Workers’ Compensation premiums in Florida. Getting coverage for remote workers may be necessary in Florida, and failure to do so might result in work accident lawsuits your marketing agency was unprepared for.
Prevalence of Workplace Accidents at Marketing Agencies in Florida
Workplace accidents can and do happen in office settings all the time. These injuries range from slip and falls to repetitive motion injuries and may result in Workers’ Compensation claims. Any office setting can see workplace accidents, including marketing agencies.
Typically, employees of marketing agencies spend a considerable amount of time on electronic devices. Constant typing might cause strains in the hands, elbows, shoulders, forearms, and wrists. Eye strains are also common among marketing agency workers that use technology on a daily basis. These types of injuries can exacerbate existing problems employees might have. Employers can prevent these injuries by introducing good posture practices to marketing agency workers and encouraging timely breaks when necessary.
Slip and falls are also common accidents in offices, including the offices of marketing agencies in Florida. Employees might trip over an obstruction or slip on a wet floor, causing serious injuries like broken bones, fractures, and head injuries. Unstable office chairs, defective office kitchen equipment, and uneven floors might present dangers to employees working at a marketing agency. Simple daily tasks like loading a copier or walking down the hall might result in a workplace accident that leads to a Workers’ Compensation claim.
Although it may seem as though the chances of workplace injuries occurring at marketing agencies are low in Florida, that is not necessarily the case. Workers’ Compensation coverage can provide the protection you need when workplace incidents inevitably do happen, allowing your marketing agency to avoid litigation from employees in Florida.
Risk Factors Associated with Workers’ Comp for Florida Marketing Agencies
Typically, marketing agencies have a relatively low-risk factor when it comes to Workers’ Compensation insurance claims in Florida. While injuries might happen in these environments, the likelihood of serious workplace accidents occurring at marketing agencies is no greater than that of other office settings in Florida.
Because employees of marketing agencies are not subjected to highly dangerous equipment or extensive manual labor, the risk of workers being injured in an accident is relatively low. This means finding affordable Workers’ Compensation coverage through our brokers might be an easy process. What might complicate matters is if your marketing agency has a high volume of prior claims, given its low-risk environment.
Because of their large payroll numbers, marketing agencies with many employees and several offices in Florida might also be seen as high-risk to insure. To reduce workplace accidents across branches, marketing agencies can introduce employee safety guidelines and regularly inspect offices for possible hazards.
Other than that, few risk factors are associated with marketing agencies regarding workplace accidents. This means Workers’ Compensation premiums for marketing agencies in Florida should be relatively low, provided they have not seen many workplace injuries in the past. When employers offer workers access to ergonomic office chairs and seek solutions to repetitive motion injuries caused by constant typing, workplace injuries might decrease substantially, further lowering premiums.
Call Our Florida Brokers to Obtain Coverage for Your Marketing Agency
If you need coverage fast, contact NPN Brokers and speak with our Florida Workers’ Compensation insurance brokers by calling (866) 340-9120.
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