Gulfshore Insurance > Gulfshore Blog > John Keller

The Occupational Safety & Health Administration (OSHA) is charged with ensuring that all employers provide a safe workplace for their employees.  Under federal law, all employers, regardless of size or industry type, must report to OSHA all fatal work-related accidents and work-related hospitalizations of 3 or more employees.

Starting January 1, 2015, all employers will be required to report work-related fatalities within 8 hours and all in-patient hospitalizations, amputations, and losses of an eye within 24 hours of finding out about the incident.

Employers have 3 options for reporting these incidents to OSHA:

  • Call the regional OSHA office in Atlanta at 678-237-0400
  • Call the 24-hour OSHA hotline at 800-321-OSHA (6742)
  • Report online at osha.gov/report_online

Under Florida law, employers must also report all workplace fatalities to the Florida Division of Workers’ Compensation by calling 800-219-8953.  Alternatively, employers can fax a First Report of Injury form containing the fatality information to 850-413-1980.

In addition to these reporting requirements, employers who have workers’ compensation insurance are also  required to report all workplace injuries to their workers’ compensation insurance company.  By law, employees are required to report work-related injuries to their employer no later than 30 days after they happen.  Employers must then report work-related injuries to their insurance company within 7 days after learning of the injury.  Late reporting of claims to your insurance carrier can result in the state assessing penalties and holding the employer responsible for paying part of the injured employee’s benefits.

Employers should report all claims from employees to the employer’s insurance company, including claims in which there are no witnesses of the injury or illness.  It is the insurance company’s responsibility to then investigate all claims and determine if employees are entitled to workers’ compensation benefits.

Gulfshore Insurance has a team of dedicated and licensed claims adjusters ready to be your advocate in the event of a loss. Reporting a claim can be done several ways. Call the team at 239.261.3646 or 800.793.5238 (toll-free). We also have an after-hours emergency line that can be used 7 days-a-week, call 866.298.8303. Log on to our website at GulfshoreInsurance.com/claims and follow the simple steps to file a claim. We are here for you—before, during, and after a claim.

The economic impact is pretty easy to project. If an insurance company is forced by law to pay over 150% more on high value claims, where do you think they are going to recoup that money? The answer is premium and rate increases, of course. This is exactly what can be expected in light of the February 28, 2013 First District Court of Appeal (DCA) decision regarding a case called Westphal v. St. Petersburg.
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The Occupational Safety and Health Administration (OSHA) announced Jan. 8, 2013, that at least 1,260 randomly selected workplaces will be inspected as part of the agency’s 2012 site-specific targeting (SST) program. The inspections will be conducted throughout 2013 and will focus on workplaces that have more than 20 workers and higher-than-average injury and illness rates. Read more

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Since Florida is one of only a few workers’ compensation administered pricing states in the nation, rate changes approved by the Office of Insurance Regulation (OIR) have an immediate impact on the majority of businesses operating in the state. Rate changes are effective January 1st of every year, and since the legislative reform in 2003, Florida saw average rate decreases every year through 2010. January 1, 2013 will mark the third consecutive year of workers’ compensation rate increases. … Read more

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It is the holiday season, a time for office parties and charity events. While gatherings can provide opportunities for professionals to mingle casually with their co-workers and clients and can help boost employee morale, they can also prove to be a liability for businesses that serve alcohol. The United States Department of Labor states that holding an office holiday party with improper use of alcohol can make employers vulnerable to liability under tort, workers’ compensation, or other laws. That is why businesses should take reasonable precautions to prevent any risks and financially protect themselves by making sure they have the proper insurance. … Read more

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