Frequently Asked Questions About Insurance
With over a decade of experience in working with churches, private schools, and nonprofit organizations, we often get questions about insurance that we answer all the time. If you don’t see the answer here feel free to contact us.
Workers’ Compensation Q&A
Workers’ compensation insures employees against wages lost or medical costs related to job-related illness or injuries. Ill or injured workers receive a certain portion of their wages while they are unable to work and receive compensation for the cost of their care.
Workers’ Compensation insurance for churches and ministries works in the very same way as it does for all other entities. While Florida Law does not require that smaller businesses and organizations employing fewer than four people have Workers’ Compensation coverage, we urge ALL of our clients to invest in coverage. Any incident, no matter how seemingly small, could take a great financial toll, so having a Workers’ Compensation policy will provide them with the protection they need.
No. Workers’ Compensation is a no-fault program. This means that injured employees do not legally have to prove negligence on the part of their employer in order to receive benefits, but neither can they sue their employer for their injuries
Workers’ Compensation covers only employees of the business or organization.
Workers’ Compensation covers work-related injuries and illness. These may not have to be related to a single incident. Repetitive stress injuries or illnesses resulting from continuous exposure to certain chemicals in the work environment may give rise to a workers’ compensation claim. In addition, employees do not have to be on the premises to receive coverage. Injuries or illness that arise during the course of performing any work-related tasks at their employer’s request – whether on or off-site – will fall under Workers’ Compensation. Injuries that occur while an employee is driving to or from work, however, are not considered work-related accidents. In the event that a drug or alcohol test is conducted after an accident the employee fails such a test, the employer will not be accountable. Self-inflicted injuries or intentional acts of the employer or other employees are also not covered by Workers’ Compensation.
Injured or sick employees must report their injuries or illness to their employer and must submit specific forms. If the employee does not report the injury within a certain period of time, they will potentially lose their right to receive benefits. Employers also must provide all employees with fact sheets or pamphlets regarding their rights and responsibilities in addition to displaying the posters required by state law. Once the employee properly submits the forms, compensation will be determined in accordance with state law.
Your question is important to us regardless of the size of your organization… If you don’t see the answer above please contact us.