Surprise 1: Employee Injuries
Fortunately, there is a business insurance that covers this type of surprise. It is known as workers' compensation insurance; you've probably heard it referred to as workers' comp. This type of insurance not only covers the medical expenses of an employee, it also provides you with liability insurance in case an injured employee attempts to bring a lawsuit against you and your company.
Although you may think that you could simply self-insure against these types of accidents, the state of Florida actually mandates that employers having four or more employees are required to have compensation coverage. This applies to the hiring of both full and part-time employees.
Surprise 2: Employee Theft
Surprise 3: Storm Damage
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