As a small business owner, you’re constantly hearing about different types of insurance you might need. One of the most important, and legally required in Florida, is workers’ compensation insurance. But what exactly is workers’ comp, and why do you need insurance for it? Let’s break down the basics so it’s easy to understand. 1. What is Workers’ Compensation Insurance? Workers’ compensation, often called “workers’ comp,” is insurance that helps protect both your business and

If you run a construction business, you know the job site is full of hazards. Falls, heavy equipment, tight deadlines, every day brings risk. And when something goes wrong, workers’ comp claims can hit your bottom line hard. Here’s the reality: even with solid safety rules, accidents happen. That’s why workers’ compensation isn’t just a legal requirement, it’s your safety net. But what if you could cut down on claims before they start? Fewer injuries mean fewer headaches, low

February 10, 2026 Florida lawmakers have filed a bill to penalize companies employing undocumented immigrants who get hurt on the job, months after a Tampa Bay Times investigation revealed a state contractor has relied on migrant labor for years with deadly consequences. Senate Bill 1380 would require employers who knowingly hire people not authorized to work in the United States to pay for those workers’ medical bills if they get hurt. It would do so by making those compan

February 4, 2026 Bills in two states would restrict or restructure workers compensation benefits based on immigration status, reopening long-running debates over the scope of the workers comp “grand bargain” and raising new legal and coverage questions for employers and insurers. Florida and New Jersey lawmakers introduced bills last month that would tighten eligibility for certain workers compensation benefits for undocumented workers or shift liability away from insurers. S

February 4, 2026 Bills in two states would restrict or restructure workers compensation benefits based on immigration status, reopening long-running debates over the scope of the workers comp “grand bargain” and raising new legal and coverage questions for employers and insurers. Florida and New Jersey lawmakers introduced bills last month that would tighten eligibility for certain workers compensation benefits for undocumented workers or shift liability away from insurers. S

February 3, 2026 Employers looking for help on how to structure their workplace safety and health programs just received a roadmap from OSHA’s new Safety Champions Program. The Assistant Secretary of Labor for OSHA, David Keeling, recently announced the launch of the voluntary, self-guided initiative outlining several core practices employers should incorporate into their workplace safety and health plans. Rather than another compliance checkbox, this program represents OSHA’

February 2, 2026 What Do You Think? With states generally allowing individuals to carry guns, including at work, an interesting issue is whether a shooting accident at work can trigger a compensable claim. A case involving a claimant who estimated vehicle damage at an auto body shop and ended up damaging his own body sheds some light on that topic. The estimator always carried a gun. He had done so for several years for personal protection prior to taking the job. The job con

January 29, 2026 Washington — OSHA is reminding employers of their Form 300A posting requirement that begins Feb. 1. Form 300A , a summary of work-related injuries and illnesses, must be displayed “in a conspicuous place or places where notices to employees are customarily posted” until April 30. Employers who have 10 or fewer employees, including temporary or part-time workers, or those in certain low-hazard industries are exempt from the requirement. Employers also mu

January 29, 2026 Spending $7,500 on home repairs may not seem like much in 2026. But a bill approved by a Florida House of Representatives panel on Wednesday would allow construction work below that threshold without a building permit, a change that could have an unexpected impact on inspections and some insurance claims. House Bill 1049 , by state Rep. Tiffany Esposito, R-Fort Myers, would bar local governments from requiring permits for work that is projected to cost less

January 29, 2026 Slip and fall accidents remain one of the most common causes of workplace injuries, particularly during winter months when ice, snow, and wet conditions are present. While many people assume these incidents are handled exclusively through workers’ compensation , the legal analysis is often more nuanced. In some cases, an injured worker may have both a workers’ compensation claim and a separate third-party personal injury claim, depending on how and where th