Do you own a nightclub, bar, restaurant or any other related business? One of the essential insurance coverage that you require is workers liability insurance. This is a policy that’s designed to offer compensation for your employees’ lost wages, rehabilitation, or medical bills in case they are injured while at work. You can even get a policy that will offer death benefits in case any of your employees lose their life as they perform their job-related duties.
A workers compensation policy will also cover the employer’s legal expenses in case an employee sues the company for damages that occur due to occupational illness, accident, or injury. The requirements for this coverage vary depending on where you stay. To ensure that your company gets an appropriate coverage, contact a reliable insurance company like Tabak insurance.
How a worker’s liability insurance assists your company
There isn’t a workplace that’s completely risk-free even with adequate preparation. To make the matters worse, it’s the employer who is responsible for their employee’s injuries. This is why many states require employers to consider having a worker’s compensation coverage. If you don’t have a proper coverage, you will most likely pay for your employees’ medical treatment out of pocket or pay hefty state fines. The best insurance company in your locality can help you determine the kind of coverage you require for your business.
How do workers liability claims work?
As soon as your employee develops an occupational illness or is injured, they are required to report it to you. Remember that each state offers different reporting periods, so ensure that your workers know the period within which they are required to report their cases in order to receive benefits. Once an injury is reported, you are required to follow these simple steps:
Get proper paperwork –It is your job to make sure that the injured employee gets all the information they require regarding the claims process, their rights, their compensation benefits, the company’s insurance details, and their appropriate forms.
Direct your worker to the approved healthcare professional – Injured or sick employees need to seek medical help immediately since delays can put their insurance benefits at risk. The physician will offer a medical report that the employee can use to file a claim.
Ensure your employee files a claim –Your employee should file a claim with your insurer as long as they have the state-mandated paperwork, medical reports, and claim forms. Ensure they pay attention to the set reporting deadlines. It’s good for your employees to report any illness or injury even if it is not eligible for compensation. It’s also your responsibility to ensure that they receive their benefits.
It’s your duty as an employer to ensure that your employees are safe, get appropriate help in case of an injury, and get the benefits they deserve when they get ill, injured, or deceased. Contact Tabak insurance today to get coverage for your bar, restaurant, or club today.