In any business, there is a chance of someone getting sick or sustaining an injury. All work involves manual labor, no matter how sedentary your job might be. Still, when work leads to injuries, it is the employer who might suffer, and the employer who will often have to take responsibility.
To help address most of the ramifications of employee injuries, most employers are required by law to carry workers’ compensation insurance. It’s there to provide income support, medical benefits and other monetary help to someone who gets hurt on the job. It also helps employers take responsibility for these injuries without a significant loss to themselves. Still, employers are obligated to be prepared for anything by keeping as safe a workplace as possible.
It helps to know some of the common workers’ compensation claim causes in most businesses. That way, you’ll be better able to prepare for them in case of any eventuality.
Sprains, Strains and Repetitive Motion Injuries
Small injuries from even the most basic accidents might still prove exceptional for the victim. A pulled muscle, torn tendon or overexertion can happen in the blink of an eye and cause a lot of pain, not to mention an extensive amount of recovery time and medical bills. These injuries often happen due to lifting heavy objects or doing other physical work. However, even activities as simple as typing on a keyboard all day can eventually cause significant chronic injuries like carpal tunnel syndrome.
Slips and Falls
An employee could fall and get hurt in your business in any situation, at any time. Even if an employee were to fall in the break room or bathroom, they often will qualify for workers’ compensation. It’s up to you to institute as strong a risk management program as possible to keep this common risk low.
Head injuries are more frequent than you might think. Someone might sustain harm in any office setting when trying to reach an object on a high shelf. Or restaurant workers being accidentally hit with a piece of equipment. The list of potential risks goes on.
Vehicle Related Incidents
Commercial vehicle accidents are a leading cause of fatality-related workers’ compensation claims. If one of your delivery drivers gets severely injured in a wreck while on a delivery, they will likely want to file a workers compensation claim. In the case of death, workers compensation benefits will go to a surviving family member, which can substantially reduce their burden for the loss of their loved one.
Although you keep your employees as safe as possible, it’s important to have a reliable workers compensation policy in case of an accident. Speak to one of our agents to learn more about how to tailor your plan to your advantage.
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