Second, you should speak to any parties that saw the injury and review any photos or videos of the incident. This is important for two reasons: 1) to assess the nature of the incident and 2) to determine if there is an existing condition at work that may be dangerous to other employees. First, you should speak to the injured employee to find out what happened. The next step is reporting the injury to the workers’ compensation insurance company.Īfter you’ve reported the claim to workers’ comp, you’ll want to conduct your own internal investigation on the injury. ![]() You need to provide your injured employee with a claim form as soon as you learn about the injury. If your employee is injured on the job, then you have to take steps to ensure that they have the proper information they need to file a workers’ compensation claim. Make sure the injured party gets the treatment they need as soon as possible. The worst thing you can do is ignore the problem. If the condition is clearly minor, such as a small cut or abrasion, then the best thing you can do is encourage the employee or customer to follow up about their injury using their health care provider. In some instances, such as anaphylaxis, bleeding, or trauma, minutes matter, so don’t hesitate to seek help ASAP. It may not be immediately obvious when the medical condition is an emergency. One of the easiest ways to get yourself in trouble with the law is to fail to seek proper medical treatment for any employee or customer who’s injured on the premises.Īlways err on the side of caution when assessing medical situations. Obviously, the first step when any person – employee, contractor, or customer – is injured at your place of business is to seek medical care. When an employee is injured during their time at work, the steps you take in the first hours and days following the injury are crucial to protecting yourself from liability. Step One: Get Immediate Medical Attention Here’s what you need to do if an employee gets hurt at work: Encourage them to report injuries immediately and make sure they understand how injuries should be handled. Make sure you talk to your employees about the process for dealing with workplace injuries. ![]() But if your employee was injured because you failed to address a dangerous condition, then you may be liable. Sometimes an accident is just an accident, and there’s no liability. Equipment malfunctions, chemicals spill, and people can get hurt just slipping on a patch of ice or burning themselves on the office coffeemaker. Your employees may be using heavy equipment, working around dangerous chemicals or materials, or sitting at a desk – they can get hurt in any of those places. That will pay employees that get injured on the job while they recover or, in serious cases, for an extended period of time. Talk to your insurer about how to cover that kind of liability.įinally, you’ll need to get workers’ compensation insurance. If your product is inherently dangerous, doesn’t come with the proper warnings, or has a manufacturing defect that makes it hazardous, an injured customer can sue you and claim compensation for their medical bills and other expenses. If you’re selling a product, you’re also exposed to liability for injuries caused by your product. For more information on how to find the right coverage for you, visit the SBA Government General Business Liability Insurance link. Annual premiums start at less than one thousand dollars and go up from there, depending on the amount of coverage you seek and the nature of your business. General liability insurance is relatively affordable. General liability insurance can protect your business from personal injury claims that occur at your shop or business location. Just as car insurance protects you in the event of an auto accident, general liability insurance is coverage which can protect you from a variety of personal injury claims. ![]() In the world of business liability, that means having general liability insurance. So, what do you do if a customer gets injured on your property, an employee gets injured on the job, or your products cause an injury?Īs always, an ounce of prevention is worth a pound of cure. So how do you take steps to reduce your business liability? You may face expensive lawsuits or medical bills that can wipe out a big chunk of your cash. ![]() In addition to the fact that we never want to see anyone hurt, injuries that happen at your business or because of your products can seriously threaten your business. But accidents happen, and sometimes people get hurt. We do our best to keep ourselves, our employees, and our customers safe.
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