What Do I Do If My Employee Gets Hurt On The Job?
Unfortunately, accidents in the workplace happen. Even if your business does not operate in a particularly dangerous field, things can still happen. In the case of a worker getting injured on the job, you’ll want to have a workers comp policy in place. Many states require that you have this type of insurance coverage for your business. Besides having workers comp, here are the steps you should take if one of your employees gets hurt.
Get the Proper Medical Attention.
Depending on the severity of the accident, you will want to get your employee to a hospital or to a medical professional as soon as you can. If necessary, you may want to call 911 and get an ambulance. In these sorts of situations, it’s always better to err on the side of caution. Safety always comes first.
Keep a Record of the Accidents
Get the facts on what happened in the accident. Speak to other employees who were around. Record statements; get pictures, and find other forms of proof. It’s best to do this immediately after the accident (after your employee has received medical care). You should keep these notes and files in your record.
File the Workers Comp Report
Your employees have the right to file a claim for the injury. Should they decide to do so, you are legally required to provide them with the proper form and report the claim to your insurance company. This is where workers comp is the most important. Having enough workers compensation coverage will help protect your business financially from the fees and costs of this injury claim.
Keep On Top of the Claim
The insurance company will ask you to provide some documentation or evidence. Comply with them and work together to sort out the claim. It’s best to stay on top of things and have open and clear communication about the situation. It’s also a good idea to check in with your employee on their recovery.
Prevent Future Accidents
After the incident, see if there are ways you can help prevent workplace injuries in the future. These are some suggestions on how to do so:
- Provide proper job training, re-training, or education. Sometimes a refresher can help remind employees of safe practices.
- Provide equipment to keep them safe. If they need more hard hats, gloves, masks, etc. you should make sure they have adequate equipment to do their job safely and effectively.
- Monitor the workplace. Ask employees if there are things you can do or resources you can provide that will help keep them safe. Fix any issues that arise or are brought to your attention.
- Inspect and maintain any equipment. Make sure it’s all in proper working order and that it is safe to operate.
- Screen all future employees. By making sure that all employees are fit for the job and can preform the necessary tasks, you can help eliminate the risk of injury.
Welcome back your employee
You are legally responsible to welcome your employee back after a workplace accident. Regardless of whether the filed claim was successful or not, you are obligated to bring them back into your company.
Workers comp is a key piece of insurance that will not only help protect your businesss, but it will help protect your employees too. You want to make sure that your employees are looked after well. Having the proper insurance policies in place can help keep them safe on the job. After all, your employees are essential for the success of your business! There are a lot of additional types of small business insurance that you may want to consider. Depending on your industry, the size of your company, and other factors, the types of coverage and the amounts may differ from company to company. It’s always best to call up your agent to discuss it with them. They can help you figure out how to best protect your business and your employees.
Call Encharter at 888.754.8299 to double check your workers comp policy! We can help answer any questions or concerns you may have.