Types of Coverage
Contractors work in a more dangerous environment. Insurance protects you and your business in case of damage, accident or injury. Without insurance your company can be held accountable and find yourself paying out of pocket. Insurance is financial protection and assures that your company can afford to take the risk of being a contractor.
- Florida Workers Compensation Coverage will pay for medical treatment, lost wages and disability if an employee is injured on the job. It protects business owners from lawsuits because of an employee injury and in Florida is mandatory for most businesses. Having Workers Compensation Insurance is important to your business and protecting the health of your employees.
- Liability Coverage provides contractors with protection from damage to property and injuries that could happen to a customer. With Liability Insurance you have a solid foundation to run your business. Without it, one accident can bring bankruptcy.
- Florida PEO/Employee Leasing Companies will provide your small businesses with Human Resource Outsourcing, Payroll Services and access to low cost insurance. A PEO/Employee Leasing Company helps secure insurance and provides risk management, claim administration and loss control. Most small business owners do not have the resources to have a full-time HR Department. Professional Employer Organizations (PEO) are attractive to companies because they save time, money and allow you to focus on the success of your business.
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How are Rates Calculated
Florida Contractor Insurance rates are calculated based upon Industry Classification Codes, Experience Rating and the size of your business. Our company can help you to get the best price on Contractor Insurance in Florida buy shopping over 100 A Rated/Admitted Carriers. We shop many insurers in order to find the best rates and coverage available.
Industry Classification Codes are used to classify what risks a contractor will face. General Contractors, Roofers, Crane Contractors and Truckers all face different work environments and risks. Rates for each type of contractor differ because some injuries are more common for one than the other.
Experience Rating is calculated based upon the history of claims within a 12 to 36 month time-span. Contractors that have had more claims, accidents and injuries have a higher Experience Rating which can contribute to an increase in what you pay to be insured.
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E-WorkersComp.net is a licensed insurance agency in Tampa, FL. We help Florida contractors save money by shopping policies from many insurers instead of just a single provider. Our goal is to find you a policy that will reduce what you spend on insurance. Want to find out what how much we can save you? Get a Fast Quote!
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