To Our Policyholders,
In these uncertain times, we want to assure you that your FCBI team is here, committed to providing superior service to assist with your needs. To that end, we are taking all precautionary measures to protect the health and welfare of our team members.
We will continue to pay claims without interruption and encourage you to contact us and/or your agent at any time to review your policy information or to update payroll, payment and billing information in accordance with your current circumstances.
We continue to closely monitor the situation facing all of us with the Covid-19 Coronavirus and evaluate ongoing measures to support you and will provide any necessary updates.
In order to seek assistance with any of your current needs or concerns, please don’t hesitate to call us at 1-866-469-3224-prompt #1, direct an email to [email protected] and/or contact your agent.
You can rest assured that your FCBI team is ready and willing to exercise flexibility when at all possible to maintain your policy coverage through these uncertain times.
We wish you and your families the best!
Debra C. Ruedisili
Chief Executive Officer
Please know there is assistance for you and your business during this time. We encourage you to visit the following websites to seek the guidance you need in working through this situation.
Florida Department of Health: https://floridahealthcovid19.gov/
U.S. Small Business Administration (SBA) Disaster Assistance: https://www.sba.gov/funding-programs/disaster-assistance
Centers for Disease Control and Prevention: https://www.cdc.gov/coronavirus/2019-ncov/index.html
Yes. We understand the financial strain this virus is having on our policyholders. We are currently suspending all notices of cancellation for non-payment of policy premium, non-payment of audit premium, and non-reporting of payroll through April 30, 2020. You will continue to receive bills. If you can pay the full amount, please do so. If not, please pay what you can. Please understand that once the cancellation hold is lifted, any unpaid premium to date will be due, unless specific arrangements have been previously made.
We are all deeply concerned with this virus and understand the importance of social distancing. Flexibility is key during these trying times. Audits can be completed electronically and without a physical visit from an auditor. We can send you a list of documentation needed to complete the audit and all correspondence can be done via telephone and email.
Yes, wages and salaries are included in the premium calculations.
Absolutely! You can email us at [email protected] or contact your agent with new payroll projections.
Again, flexibility is of the utmost importance. Telephonic loss control discussions are currently being utilized. We may want to complete a physical visit once this situation has passed, but in the meantime, we can get all the information we need via telephone and email.
That’s a tricky question and the best answer is “possibly.” Workers’ compensation laws provide compensation for occupational diseases that arise during the course of employment. However, there are statutes that exclude “ordinary diseases of life,” such as the flu or a common cold. There are certain industries, such as healthcare, who undeniably have a higher probability of exposure to COVID-19, but, even then, compensability would be determined if COVID-19 was contracted during the course of employment or not. When in doubt, report the claim and allow our skilled claims professionals take that burden off your shoulders. Claims can be reported by calling 800-444-9098, Option 1.
Each covered employer must post a notice of the Families First Coronavirus Response Act (FFCRA) requirements in a conspicuous place on its premises. An employer may satisfy this requirement by emailing or direct mailing this notice to employees, or posting this notice on an employee information internal or external website.
You are not required to post this notice in multiple languages, but the Department of Labor (Department) is working to translate it into other languages.
No, the FFCRA requirements explained on this notice apply only to current employees.
No, the FFRCA requirements apply only to current employees. Employers are under no obligation to provide the notice of those requirements to prospective employees.
Yes, if you hire a job applicant, you must convey this notice to them, either by email, direct mail, or by posting this notice on the premises or on an employee information internal or external website.
Yes, all covered employers must post this notice regardless of whether their state requires greater protections. The employer must comply with both federal and state law.
Yes. All employers covered by the paid sick leave and expanded family and medical leave provisions of the FFCRA (i.e., certain public sector employers and private sector employers with fewer than 500 employees) are required to post this notice.
The most recent version of this notice was issued on March 25, 2020. Check the Wage and Hour Division’s website or sign up for Key News Alerts to ensure that you remain current with all notice requirements: www.dol.gov/agencies/whd.
The notice needs to be displayed in a conspicuous place where employees can see it. If they are able to see it at the main office, it is not necessary to display the notice at your different worksite locations.
No. To obtain notices free of charge, contact the Department’s Wage and Hour Division at 1-866-4-USWAGE (1-866-487-9243). Alternatively, you may download and print the notice yourself from https://www.dol.gov/agencies/whd/posters
No, you cannot put federal notices in a binder. Generally, employers must display federal notices in a conspicuous place where they are easily visible to all employees—the intended audience.
If all of your employees regularly visit the lunchroom, then you can post all required notices there. If not, then you can post the notices in the break rooms on each floor or in another location where they can easily be seen by employees on each floor.
Where an employer has employees reporting directly to work in several different buildings, the employer must post all required federal notices in each building, even if the buildings are located in the same general vicinity (e.g., in an industrial park or on a campus).
April 1, 2020