Worker's compensation insurance is designed to cover the cost of employee medical bills and other costs in the event that they get hurt. As a business owner, it is important for you to have this coverage for a few reasons; for one thing, you might be required by law to do so. Secondly, you probably want to make sure that your employees are protected and that their costs are covered if they do get hurt on the job. Even if you do have insurance in place as you are supposed to, however, you might be worried about claims being denied. These are a few ways that you can prevent this from happening:
1. Choose the Right Insurance Company
Even though business owners do have a lot of options for worker's compensation insurance, you won't want to sign up for a policy from the first company that you find. Instead, it's important to really do your research and to compare worker's compensation insurance options. Then, not only can you help ensure that you find the most reasonable rates, but you can also look for a company that has a good reputation for handling claims properly.
2. Focus on Documentation
As an employer, it is important for you to make sure that things are properly documented in the event that someone gets hurt on the job. For example, you'll want to keep records of things like when the accident happened and any related details. Plus, make sure that you hold on to any paperwork that your employee gives to you, such as doctor's notes or medical bills. Having all of this documentation organized can help you ensure that you get everything turned in to help with the claim.
3. Focus on Drug and Alcohol Tests
If an employee gets hurt, it is a good idea to have a drug or alcohol test done. This is not something that should usually be done in-house; instead, you'll usually want to send your employee to a clinic. Then, if the employee was under the influence of drugs or alcohol, you will be aware of it. If the employee passes, however, this documentation can help him or her ensure that the claim is not denied.
As an employer, doing right by your employees is probably important to you. These tips can help you prevent their worker's compensation claims from being denied if they do happen to get hurt on the job.
Check out a website like http://www.blondininsuranceagency.com for more information and assistance.
Share