Summary: Workers Compensation Mandatory
Mandatory Insurance
Workers Compensation
Workers' Compensation is mandatory in Florida, and it is law. This law requires employers with four or more full- or part-time employees to have workers’ compensation coverage for their employees. Florida workers compensation exposure is high with car washes that provide hand-wash operations (Einsurance, n.d.).
Workers compensation is insurance providing replacement of wages and medical benefits to employees injured at their place of employment in exchange for relinquishing (mandatory) their right to sue the employer for negligence.
There is a potential for back injuries or damage from vehicles. The use of soaps and other cleaning chemicals can cause some illnesses (Einsurance, n.d.). Workers compensation
insurance is an important coverage for a car wash to have to protect employees (USA Business Insurance, n.d.).
Recommended Liability Insurance
Florida recommends the following insurance for small businesses:
General Liability Insurance (also called commercial liability insurance)
General liability insurance is the most important insurance coverage that protects your business from injury claims, property damage, and advertising claims (Einsurance, 2016). A policy typically covers:
- Medical expenses to yourself and your employees in case of injury
- Equipment malfunction
- Slip and fall accidents
- Pain and suffering
- Damage to vehicles - includes broken antennas, crack glass, and damage tires
This coverage protects your auto detailing customers and employees in the event of injury by a piece of equipment on the property or in the case that a customer trips on a piece of equipment, falls down and is injured while work is being done for them. Salt Busters should look for coverage quotes between 500,000 dollars and 1 million dollars (Einsurance).
Workers Compensation
Workers' Compensation is mandatory in Florida, and it is law. This law requires employers with four or more full- or part-time employees to have workers’ compensation coverage for their employees. Florida workers compensation exposure is high with car washes that provide hand-wash operations (Einsurance, n.d.).
Workers compensation is insurance providing replacement of wages and medical benefits to employees injured at their place of employment in exchange for relinquishing (mandatory) their right to sue the employer for negligence.
There is a potential for back injuries or damage from vehicles. The use of soaps and other cleaning chemicals can cause some illnesses (Einsurance, n.d.). Workers compensation
insurance is an important coverage for a car wash to have to protect employees (USA Business Insurance, n.d.).
Recommended Liability Insurance
Florida recommends the following insurance for small businesses:
General Liability Insurance (also called commercial liability insurance)
General liability insurance is the most important insurance coverage that protects your business from injury claims, property damage, and advertising claims (Einsurance, 2016). A policy typically covers:
- Medical expenses to yourself and your employees in case of injury
- Equipment malfunction
- Slip and fall accidents
- Pain and suffering
- Damage to vehicles - includes broken antennas, crack glass, and damage tires
This coverage protects your auto detailing customers and employees in the event of injury by a piece of equipment on the property or in the case that a customer trips on a piece of equipment, falls down and is injured while work is being done for them. Salt Busters should look for coverage quotes between 500,000 dollars and 1 million dollars (Einsurance).