When talking about a workplace accident, you, as the business owner, would want to avoid it as much as possible. But, a slip and fall due to wet floor can happen at any time and then you’ll know that your employee is injured. This only means that you cannot always anticipate when an accident might happen. What you can do, though, is be prepared to be able to handle workplace accidents in a better way. In an office environment, it’s not only your employee’s responsibility to just be careful while at work; as the business owner, it’s your responsibility to be ready and have things figured out to create the least damage possible and reduce costs, whether human or financial.
Get yourself prepared
To start with, it is essential to be prepared for accidents. By being prepared means that you should be able to create an accident or incident response plan to help you figure out how you will react when an accident occurs. These accident response plans should cover different types of workplace accidents to be able to manage the different situations you and your employees might face.
Being the one responsible for creating the business accident response plan, you might want to include constant workplace safety training for both the lower-level employees and upper-level management. Having all of you in the company, including yourself, the employer and employees undergoing training will ensure that each one of you knows how to deal with every situation. The training should also ensure that all the people in the workplace are aware of all sorts of emergency or safety plans, necessary equipment available like the first-aid kit, and the emergency contact information for all the employees.
Take care of your employee
As the business owner, you’re expected to respond as quickly as possible whenever there’s a report of injury, or if one of your employees got injured at work. You’re also expected to seek medical attention right away no matter how small the injury might look because you cannot risk negligence. Negligence may just worsen your employee’s situation, and may even prove to be legally damning to you and your company. For this reason, it’s important to be assured that you have the right insurance in place, in this case, Worker’s Compensation insurance, to prevent any unwanted risks.
Get the paperwork done!
If. unfortunately, workplace injuries occur, one of your responsibilities is to let your employees know that they have the right to file a claim Business insurance – let them be aware of their right for worker’s compensation claims. As the owner, you’re responsible for immediately contacting your Worker’s Compensation insurance company if there’s a report of injury. You should also have all the necessary papers ready, have gathered as much information as possible by talking to witnesses, taking pictures, or just writing what happened, and kept everything on record in case of a lawsuit. Again, once you’ve filed a workers compensation claim, remember to report any claims and have a record of all work-related injuries.
Follow up with the injured employee
After the accident, it is important to follow up with your employee, as well as keeping communication with him/her, and all the other parties involved, such as the doctor and the insurance company. By maintaining communication, you will be aware of what is happening and you will be able to achieve a faster claim process.
Now, once your employee is feeling better, go ahead and welcome him/her when he/she returns to work. You shouldn’t be taking negative actions towards your injured employee in case he/she filed a claim as it can lead to further legal problems.
How to prevent workplace injuries?
As mentioned at the beginning of this article, you can never avoid all accidents from occurring. However, you can always reduce the risks by being a more responsible business owner. How? Have regular inspections and monitoring done in the workplace. Make sure that your employee’s safety and health is one of the company’s utmost priorities. And even if you think that you might not need insurance because you only own a small business, you might want to reconsider and try to invest. Even if your business is small (for now), as long as you employ at least three people, getting Worker’s Compensation insurance is never a waste of money, because then you’re ready at any moment you can react as fast as possible when an accident in the workplace takes place. This might also sound a little obvious, but it is important to always remember to stay available and to look after your employee’s best interest by caring for their needs and creating a safer environment for everyone in the workplace.