Once an employee is injured on the job, there are certain procedures that must be completed as soon as possible to expedite the claim process and reduce expenses for the business. While state laws may vary slightly, the following are standard responsibilities that are expected of each employer. With that said, it is critical for every business to obtain a Lake Tahoe Workers’ Compensation insurance policy to protect their employees and their company.
Provide a safe workplace.
First and foremost, you are responsible for providing a safe work environment for your employees. If an employee gets injured, you must file a claim immediately and forward it to your insurance carrier. According to Find Law, you are responsible for making sure that you do not violate any laws or rights of the injured employee. If an injured employee needs medical attention for a serious injury, allow them to see the company doctor or leave work to see their own doctor.
Work with your insurance carrier.
Cooperate to provide proper documentation for the employee’s personnel file, salary records, and help with the investigation. If your insurance carrier’s attorney contacts you or follows up with a request for more information, be timely in your response.
Welcoming the employee back to work.
An effective return-to-work program can minimize the time the employee is out. Furthermore, it can streamline the process, ensure proper communication with treating physicians, and keep up the morale of the injured worker and the rest of the crew.
Work with the Workers’ Compensation Board.
Employers are capable of committing workers’ compensation fraud just as employees are. For this reason, all injuries and claims must be submitted to the board. If you attempt to conceal the incident in hopes of preventing increased premium rates, you could be charged extra penalties.
At Cal-Nevada Insurance Agency, we understand the importance of securing your workplace. By protecting your business and your employees with our comprehensive and custom tailored coverage, you can rest assured you are properly defended. For more information about our other business lines, contact us today at (866) 670-5948.