Oh no, your employee is injured at work. What happens now? How do you protect your worker and your business amid the chaos?
It should be no surprise that accidents happen all the time at a workplace especially for contractors. While you probably have workers compensation insurance to cover the expenses, you still need to learn about the steps to take in order to handle these incidents the right way. If there is a mistake made, you may get penalized for breaking the law.
Steps to Take Before an Employee Injury
Before an injury happens, getting workers’ compensation insurance, which required by law is an easy decision. Without any insurance, you would have to pay a lot for your injured worker’s medical bills.
You should also develop an investigation checklist so nothing gets skipped. Medical treatment consent forms, return to work release form and others should be placed in a place where it can get in handy.
So here are the steps to take when an injury happens at a workplace:
- If you are on site when the injury happens, get medical attention immediately. However, if you are not on site, an employee has the responsibility to notify their employer of the injury obtained on the job.
- Investigate the accident and record any circumstances that may lead to the accident. Getting any written accounts from the injured employee and witnesses will help to determine whose responsibility it is that caused the accident. If you have a smartphone, take pictures at the scene of the incident. The pictures may reveal important info that was not disclosed by employees.
- The final step is to file a workers’ compensation claim. If you are not sure how to file it, contact your insurance company. Do not try to avoid filing a claim by paying your injured worker’s medical bill directly because that might hurt you at the end.
If you are looking to purchase workers’ compensation insurance in Peabody, Danvers, Salem and Rockport area, contact John J Walsh Insurance today for a quote. We would be able to walk you through the details of the insurance and help you choose the right plan for you.