Did you know that workers’ compensation insurance covers your employees should they get injured while on the job. You may be thinking that your business can do without this coverage especially as you start your new business. But in California, it’s mandatory for businesses to have workers’ compensation insurance. Even the best work site can’t prevent every accident. The last thing you want is a workplace injury and no coverage available.
When an employee is injured, even if it’s a small injury, your company will be responsible and you will want insurance to cover it. Otherwise, your company may be responsible for writing the check to cover the cost of the injury and fines from the state.
Here are some tips on the workers comp process from filing to the claim process:
- Document Every Injury
It sounds pretty silly to write down that Mary cut her hand with a box cutter when all it involved was a Band-Aid. But, write it down everywhere. Include the date, time, severity and consider taking a picture of the wound. Why? Because every little thing can turn into a big thing. What if Mary’s cut gets infected? What if Mary later claims that her superficial cut actually sliced through her tendons? If you have no documentation and Mary has a tendon injury, you’ll be in the position of proving her workplace injury was actually minor and she must have received the extended injury elsewhere. If you encourage an employee to see a doctor and they refuse, be sure to document that as well.
- Encourage Workers’ to File a Claim Immediately
This may seem counter intuitive, as the last thing you want is more expenses, but when you discourage filing, you can end up with an employee continuing to work while injured and your costs will ultimately increase. Having an employee file a workers comp claim after an injury that requires medical care takes place means that the extent of the injury will be documented. This can go a long way toward protecting your business against an unscrupulous employee.
- Hire an Expert
Some companies try to handle everything in-house. Workers’ comp claims, however, can become a serious issue and a huge drain on resources. You want an experienced team behind you. Generally, your workers’ comp insurance and broker will provide this expert advice for you. All you need to do is ask.
- Conduct an Investigation to Prevent Further Injury
Not all accidents are preventable, but many are. Make sure you know how the injury occurred, and if possible, make changes so that other people are not likely to suffer the same injury. If you have not implemented a Safety Program, contact us today to receive a free guide.
Don’t be scared of workers’ comp claims: Prepare, act quickly and trust your experts.
At ProAction Insurance, we assist you in your claims process.