Three Important Workers Comp Questions

Every boss and company owner dreads getting a phone call that something has happened to their employees. In addition to someone they care about getting injured, the repercussions for the business can pose serious threats. Every employer has a legal obligation to ensure that they are providing a work environment which is safe and designed to prevent injury. However, injuries will occur. When they do, worker’s compensation will provide coverage for your company so that you can supply sufficient medical care and lost wages until your employee is back on their feet. Here are some of the common questions about workers comp.

What Injuries Are Covered by Workers Comp?

It’s important to understand what types of injuries are covered by workers comp. Workers comp is designed to cover general injuries that occur while at work or doing work activities. A common source of injuries is from vehicle accidents while driving. This is especially relevant to construction companies who are constantly on the go to and from worksites. The general rule of thumb is that if you are injured while traveling for work-related purposes, workers comp will cover related expenses. However, if you are driving your regular commute to work while injured, that is not covered. As long as an injury occurred while on the job doing job-related activities, it should be covered.

Who is Covered by Workers Comp?

Workers comp policies are designed to cover all employees whether they are full or part-time. However, coverage laws will differ between states and industries. Depending on what state you are based in, rules will differ. According to NIFB.com “All businesses must carry Massachusetts workers compensation insurance coverage regardless of the amount of hours worked. This also includes owners that are considered employees. Employees in domestic service who work at least 16 hours a week also require coverage.” Contrast this with Rhode Island where there are more exceptions, especially concerning sub-contractors, sole-proprietors, etc. Make sure to speak with your agent to clarify any questions you have.

What To Do If Someone Is Injured?

If someone is injured on the job, you must act quickly. First, seek medical attention for the individual and don’t hesitate to call for emergency help if the injury seems at all serious. Once they are taken care of medically, make sure to start the reporting process. For more information on how to handle an injury in the workplace, check out our blog on documenting workers’ comp cases. Remember, follow up is key here. Stay on top of any workers’ comp case as the longer they drag out, the more expensive they become.

Make sure to put proper best practices and safety protocol in place. Training and information are very important to ensure as many injuries are prevented as possible. If you would like to go over your workers comp needs, be sure to contact us at H&K Insurance, in Watertown, MA. We would love to help you with any questions or concerns you have.

John Herlihy has served the H & K Insurance Agency Inc. clients since 1982. John, the Vice President, is engaged in all phases of the agency’s operations and management. He is dedicated to providing excellent service. John’s professional designation of CIC (Certified Insurance Counselor) signifies to clients a competent professional and their assurance of quality assistance with their insurance needs.