So your business is doing well enough for you to hire employees. Unfortunately, stuff happens. And in this particular case, the stuff was your employee having an accident on the job that resulted in serious injury, such as a broken leg. This is why you need commercial insurance, to help you pay for things such as worker’s compensation. This way, your employee’s bills are paid, you don’t go broke, and everybody is happy. (Well, happier than they would be without it.)
First Things First
Right after the accident happens, get medical treatment right away. Tell the medical providers exactly what happened and see that everyone else is safe. You will need medical records to link the injury to the workplace. Remember that some serious injury symptoms might not show up for several hours to a few days. Keep in mind that you are responsible for an injured employee. Gather as much info as you can. If the injury results in hospitalization, you have eight hours to contact OSHA. File the claim with your insurance agency with all the documentation at the ready. If your worker returns to the job with restrictions, you must accommodate. Keep in mind that domestic workers, farm workers, and seasonal workers are often not covered by worker’s compensation.
Ottawa Insurance Agency Serving Zeeland, MI
If you are in Zeeland, MI, and are in the commercial insurance market, please get in touch with Ottawa Insurance Agency. Our courteous, knowledgeable, and helpful agents will do all that they can to help you find the insurance policy that best suits your individual needs.
