Commercial Insurance Archives

Worker filling out injury claim form on clipboard - workers comp claims Florida

How Workers’ Comp Claims Work in Florida: A Guide for Employers

Leave a Comment / Workers Comp Insurance / dshipps

When an employee gets injured on the job, knowing how to handle it correctly can make a significant difference — both for your employee’s recovery and for your business’s insurance costs. Florida’s workers’ compensation system has specific procedures that employers must follow, and missteps can result in delays, compliance issues, or higher future premiums. Here’s […]

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Financial admin using payroll software app - pay as you go workers comp

What Is Pay-As-You-Go Workers’ Comp — And Why Florida Businesses Are Making the Switch

Workers Comp Insurance / dshipps

If you’ve ever dealt with a workers’ compensation audit at year-end and been hit with an unexpected bill — or worse, a large refund that means you overpaid all year — there’s a better way. Pay-as-you-go workers’ comp is a payment model that ties your premium directly to your actual payroll each pay period, eliminating

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Two construction workers in hard hats reviewing documents on Florida job site - workers comp insurance

Workers’ Comp Insurance in Florida: What Small Business Owners Need to Know in 2026

Workers Comp Insurance / dshipps

If you own a business in Florida and have employees, workers’ compensation insurance isn’t just a smart investment — in most cases, it’s the law. Yet many small business owners are either underinsured, paying too much, or simply confused about what their policy actually covers. At Pinkerton Payroll & Insurance, we’ve helped businesses across the

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Some States Require Insurance Protections Because of COVID-19

Commercial Insurance, Personal Insurance / dshipps

Highlights To help businesses and individuals maintain access to insurance, states have begun requiring insurers to provide certain protections with respect to premiums and coverage, such as: Grace periods for premium payments; Expanded health insurance eligibility; and Special enrollment for individual health insurance. As the COVID-19 situation continues, state insurance regulators are taking steps to

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Business Interruption Policies and Coronavirus

Commercial Insurance, Commercial Property Insurance, General Liability Insurance / dshipps

As the coronavirus (COVID-19) outbreak evolves, businesses face growing uncertainty as to how this pandemic will affect their operations long term. This is especially true when you consider that many organizations—including bars, restaurants, entertainment venues, retailers and manufacturers—have had to close their doors or cease operations as a result of COVID-19. Not only has this

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Protecting Your Workers From Coronavirus

Commercial Insurance, Health Insurance / dshipps

The coronavirus (COVID-19) outbreak has impacted a number of businesses across a variety of industries, forcing them to rethink their daily operations to ensure the safety of their employees and the general public. This is no different for construction firms, where multiple contractors and tradespeople on a job site may be working in the same

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Understanding Non-Owned and Hired Automobile Liability Coverage

Commercial Auto Insurance, Commercial Insurance, General Liability Insurance, Personal Auto Insurance / dshipps

Does your business have potential automobile loss exposures that you are not aware of? You’ve taken all of the necessary steps to ensure that your own fleet operation is properly covered in the event of an accident. But what about the potential loss that arises from individual employees who operate their own personal vehicles for

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The History of Workers’ Compensation Insurance

Workers Comp Insurance / dshipps

Background of Workers’ Compensation Insurance During the 19th century, the number of individuals joining the workforce grew exponentially. As a result, the number of workplace accidents grew as well. At that time, the only way that injured workers could obtain compensation for their injuries was to sue the employer. Many legislative proposals emerged early in

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