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*Disability Liability policies are not yet supported
Even with the proper precautionary measures and safety practices in place, workplace accidents, injuries, and illnesses can still happen. If even one incident occurs, paying for an injured employee's medical expenses out-of-pocket could be astronomical. Additionally, if an injured employee sues your business because of the accident or injury, it could put your business at greater financial risk. Workers' compensation insurance is designed to protect both your flower shop and your employees from such circumstances. If you have one or more employees, your state could require you to carry workers' compensation insurance. The mandate may apply to full-time, part-time, and seasonal employees as well as subcontractors you hire from time-to-time. If an employee becomes injured, ill, or suffers an accident due to a workplace incident, a workers' comp policy may help to cover his or her: