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Determine Your Workers’ Comp Risk Before It’s Too Late

Determine Your Workers’ Comp Risk Before It’s Too LateWorkers’ comp financially protect your business from legal and medical fees.

When people think of workers’ comp claim, they imagine a construction worker who has dropped a steel beam on their foot; the erstwhile scenario has its merits as it certainly happened, but misses how much risk there is in other professions–even in ones as seemingly harmless that contain cubicles. Accidents happen to everyone and to every business, workers’ comp protects you if you are found liable for your employee’s injuries or illnesses. Here are some tips on determining your workers’ comp risks.

Workers’ Comp: Necessary in Most States

Most states require businesses to carry workers’ comp insurance for their employees, so it’s important to know the laws in your state before your business is given a penalty. Workers’ compensation can cover the injuries and illnesses that you employees suffer because of the work and environment to which they are exposed. This policy normally helps you pay for medical bills, lost wages, disability pay, and legal fees. However, workers’ compensation can also cover repetitive motion injuries, such as carpal tunnel and illnesses that come from exposure to workplace toxins.

How to Place Safety Measures to Manage Workplace Injuries

It’s important to consider the risks your employees face on a daily basis. And it all depends on your industry. Hazards like: open flames, radioactive waste at a nuclear power plant, typing at a marketing company, etc. Once you identify your risks, you may want to:

  • Make employees wear hard hats, safety goggles, and reflective vests when necessary.
  • Select an employee to be the person for safety procedures.
  • Limit access in work areas to essential employees only.
  • Learn how to handle and dispose of chemicals properly.
  • Regularly inspect tools and machinery.
  • Require employees to secure tools and equipment that are not in use.
  • Keep a maintenance log.

Let the experts make sure you’re covered by contacting Scautub Agency. We serve businesses in Scotia and throughout the surrounding New York area by helping them get the protection they need. Get the right business insurance; call us today.

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