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Season's Greeting 2014

Wishing you a wonderful holiday season and a prosperous New Year!

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The Occupational Safety & Health Administration (OSHA) has new reporting requirements for 2015. 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 three 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.

OSHA reporting requirements give employers 3 options for reporting such incidents:

  • 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


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 a Claims Advocate at 239.261.3646 or 800.793.5238 (toll-free). Connect to our after-hours emergency line seven days-a-week at 866.298.8303 or log on to our website at and follow the simple steps to file a claim. We are here for you—before, during, and after a claim.

Extending a heartfelt ‘thanks’ to all of our valued clients and carrier partners on Thanksgiving! Thank you for the confidence you have placed in us.  Wishing you and your families a joyous holiday season and a safe and prosperous New Year! Watch the short video from Gulfshore Insurance.

With the holidays quickly approaching it is important to be sensitive to all employees’ cultural and religious beliefs. Many employees will decorate their office spaces with trinkets and ornaments revealing their religious beliefs during the holidays. With employee claims of religious discrimination on the rise in the U.S. and workers’ expressions of faith growing more diverse, companies are dealing with the complexities of managing religion on the job.

Religious discrimination is a serious matter, according to the Equal Employment Opportunity Commission religion-based complaints have more than doubled in the past 15 years, and are growing at an even faster pace. While the act is non-physical, religious discrimination can cause serious emotional harm.

Companies big and small are being affected by the complex intermixing of work and faith. Read more


Safeguard Your Holiday Party From Any Unwanted Misfortunes.
To have or not to have? That is the question when planning a corporate holiday party and deciding whether or not to serve alcohol. Along with the added fun that is often associated with drinking, a real threat is lurking around the corner. Drinking and driving is a concern during the holiday season putting everyone on the roads in danger. Consider a few ideas before making a final decision on whether or not to serve alcohol at your party. Read more