Just be glad ya got it. In Florida ya have to qualify. That's interpreted as an agent looking at you and deciding whether they want to write it for you. You need 5 or more employees. It locks you in with reporting to IRS & State Unemployment for a long time. If you deviate from their idea of a successful EC, They come and get your stuff.
If ya get a claim your rates and there profits go up for the next 3 to 5 years. They like claims. They pay claims fast because they can raise your rates faster then just waiting till the end of the contract period. There is a state fund for those that don't qualify which has astronomical rates. This is what sets the rates for the state not normal actuarial tables. The insurance companies even have there own State Commissioner which enforces their rights to make profits. I hear you can make the same claim on the same injury 15 times and the insurance companies like this. Because it means there are 15 more customers with rate increases. It used to be called racketeering. If you have your own insurance commissioner there customers become a criminal if you don't have what they are selling.
Pay it and up your rates. Explain to your customers how much value they are getting for all that money. Then liberally apply the petroleum jelly as a prophylactic for the reaming those thieving insurance companies are giving you and everybody else. Think of it as a community service.
