Comply with state laws
Avoid fines
Protect your employees
Protection from lawsuits
...'cause they can get hurt
Running a home health care agency in Florida means your staff is constantly on the move—helping patients, lifting, driving, and working long shifts. That adds up to real risk.
Workers’ compensation insurance protects your caregivers if they’re injured on the job and shields your business from costly claims and compliance issues.
In Florida, home health care agencies with four or more employees are required by law to carry workers' compensation insurance. This includes full-time and part-time staff, such as nurses, aides, and companions who provide in-home care.
Failure to meet this requirement can result in severe penalties, including stop-work orders and fines. Learn more about Florida Workers' Compensation Rules here.
Workers' comp insurance provides protection to both the employer and the injured worker. Like other types of insurance, it’s there to help in the event of an incident.
If a worker gets hurt on the job, the insurance company will help pay for the costs associated with their care so the worker is provided for until they return to work.
Since the company had an active workers' comp policy, they are not responsible for paying the medical bills.
For more details on class codes, visit our guide, Workers’ Comp Class Codes for Home Health Care Workers.
8835 - Home, Public, And Traveling Healthcare - All Employees
8835 - Companion Care
8835 - Home Health Care / Home Health Aide
8835 - Personal Care Provider
Here’s how to save money:
Classify your workers correctlyFor example - Employees who do clerical work have a different code (8810). Lumping them together with manual labors will increase your premium.
Don't underestimate your payroll
If your payroll is more than was estimated at the beginning of the policy, it will be discovered at audit and you will be billed for the difference.
Have a clear process to report claims
...and make sure your employees know about it. This will make the entire experience easier for all involved. It can even help keep your costs down!
Report every incident- even if it didn't result in a large injury. Some things which seem insignificant can snowball into costly issues.
Yes! Most home health care agencies benefit from a pay-as-you-go policy, especially those running weekly payroll. It allows you to pay premiums based on actual payroll—perfect for businesses with fluctuating staff. Check out our pay-as-you-go blog to see if it’s the right fit for you.
It’s all about the setting. Even if medical care is being provided, once it takes place in a facility like a group home, it’s no longer considered home health care. That changes the classification, which is why group homes fall under a different code.
Unlike other online insta-quote systems,
here your quote is reviewed by experts
A Step-by-Step Handbook for Small Businesses - you don't want to skip this!
By entering your email, you agree to our Privacy Policy.
Arkansas
Connecticut
Florida
Georgia
Missouri
North Carolina
Oklahoma
Pennsylvania
Rhode Island
Tennessee
Texas
Virginia
See all
© 2024. All Rights Reserved | Sitemap | Terms & Conditions | Privacy Policy
5148 US-9, Howell, NJ 07731
The information on this website is not intended to serve as insurance advice. All content provided is for general informational purposes only.
For advice tailored to your business insurance requirements, fill out our online application and speak with one of our licensed insurance professionals.
