Workplace Safety & Workers' Comp Insurance

Partner With an Experienced Broker

Recent data from Google indicates that internet searches for workers’ compensation lawyers have increased by more than 1,700%. This trend highlights the growing importance of maintaining a comprehensive risk management plan—one that both protects employees from workplace injuries and shields small businesses from the financial and legal consequences of injury-related claims.

Having access to a qualified workers’ compensation specialist is an essential part of any compliance strategy. When a workplace injury occurs, timely and informed action is critical. Questions such as What are my reporting obligations? How is a claim filed? What are the time limits for submission? require accurate answers and prompt attention. Contacting your licensed workers’ compensation agent or account manager immediately ensures that proper procedures are followed and that the claim process begins without delay.

Promoting a Culture of Safety

Workplace safety should be an ongoing priority integrated into daily operations. Statistics show that approximately 35% of all workplace injuries occur within an employee’s first six months on the job. This elevated risk is often associated with unfamiliar tasks, insufficient training, and inexperience. Ensuring that new hires receive thorough instruction and adequate supervision is essential to compliance and to maintaining a safe work environment.

Employers should also be aware that new employees may be more susceptible to injury due to their desire to demonstrate capability and productivity. Establishing clear expectations, providing comprehensive safety training, and encouraging open communication can significantly reduce the likelihood of incidents.

Going Beyond Workers' Comp

Under Florida law, most small businesses are required to carry workers’ compensation insurance. OMS PEO provides a compliant and efficient solution to meet these requirements through an integrated coverage and payroll management program designed to simplify administration and reduce risk.

Key features of the OMS PEO workers’ compensation program include:

1. Pay-as-you-go premium payments with no upfront costs, improving cash flow.
2. Elimination of annual audits, reducing administrative burden.
3. Customized safety programs and planning tailored to your organization’s specific operations.
4. Automated premium payments, ensuring timely and consistent compliance.
5. Accurate premium calculations based on actual payroll data.
6. Coverage exclusively through Summit, a trusted member of the Great American Insurance Group.

This document is provided for general informational purposes only and does not constitute legal, tax, or insurance advice. Employers should consult with qualified legal counsel or a licensed insurance professional regarding specific workers’ compensation requirements and compliance obligations under Florida Statutes, Chapter 440. Regulations and requirements may vary depending on industry classification, number of employees, and other factors. OMS PEO assumes no liability for actions taken or not taken based on the contents of this document.