Do you know what to do in the event that an employee in injured in your workplace? If you are a business owner, then you definitely should. Even with the most intensive safety training and the strictest security protocols, it’s impossible to completely eradicate the risk of employee injury. From having the proper business insurance protections to investigating the accident, you should be prepared for the worst. Here’s what you need to do to if an employee is injured on the job.
Prevention
You should do everything you can to prevent your chances of an employee injury. This means educating your staff on the best safety practices, properly training them on how to handle various tasks and to use equipment, and having the proper safety protocols in place. Additionally, you should be sure that you have the proper workers compensation insurance so you’re ready if an employee is injured on the job.
Medical Attention
If, despite your best efforts, an employee suffers an injury during work, then the first thing you should do is get them the proper medical attention. Even if the employee insists they are fine or if their injuries seem minor, it’s always better to be overcautious. Oftentimes minor injuries can become more serious due to negligence or improper treatment.
Investigation
The next thing you will have to do is conduct and investigation of the accident. Generally, this will require you to collect written accounts from the injured employee and any witnesses. Additionally, you should take pictures of the scene of the accident. These photos might reveal previously unnoticed hazards that might have contributed to the incident. If you notice any dangers, then make an effort to remedy them. Document the changes that you make. Not only will this help prevent injuries in the future, but it will help you prove that you have made the necessary adjustments.
Insurance Claim
Finally, you will need to file a workers compensation claim. Your insurer should be able to walk you through the claims process. Keep in mind that you should never attempt to bypass this step. If the employee’s injuries worsen or if they decide to sue, you will need your insurance policy to rely on.
These are the steps you should take to handle an employee injury. Remember, the best way to protect your employees is by having the proper business insurance protections in place. To get the right coverage to address your needs, contact the professionals at Contractors Insurance Agency. Our dedicated team is ready to assist you with all your insurance needs.