Evaluating Available Workers Comp Policies

Any business that has employees is required by most states to carry workers comp insurance in the event of workplace injuries. This is necessary in order for a business owner to assist those people whose work is of value to the company. After all, caring for injured workers is a vital concern, and lawsuits for failure to cover workers could have devastating consequences.

There are many top insurers available that work with specialty carriers and can find the best coverage at the most affordable rates. While workers compensation insurance is often at or near the top of expenses for most businesses, it is coverage that no one can succeed without. As well as being properly insured, owners should also seek advice on effective risk management services, claims analysis, and safety programs to help reduce the number of annual claims.

Not all policies offer the exact same benefits

Take a look at any current workers comp policy to determine whether or not it provides adequate coverage for both long-term and short-term disabilities. There may be room for improvement to experience modification worksheets, payroll audits, and loss-sensitive rating adjustments. Most reputable insurance brokers and specialists make it their business to see where an owner can make any necessary changes and where there might exist any problems or miscalculations.

Many business owners become victim to high-cost claims that could otherwise be avoided through the use of these services and programs that, once in place, can help to deal with the issue of job-related injuries. Properly addressing injuries and illnesses taking place at work can actually save the company money and keep a business profitable in the process.

It is important to remember that, in case of injury or disease, workers compensation covers lost wages due to being unable to work, medical expenses incurred, permanent disability, rehabilitation, and death benefits.

Workers compensation cannot only save an owner from costly lawsuits in the case of on-the-job accidents and injuries, but more importantly it helps keep a business running smoothly. With a solid claims process in place, should anyone become injured while on the job, they will get the medical treatment they require and deserve.

Nursing Home Workers Compensation For Protecting Staff

Workers in nursing homes face the risk of injury because of the strenuous tasks they’re committed to performing daily. These types of injuries can occur quite often and be the result of the duties and activities inherent to their job. As part of their service to patients, and the facility, they are often faced with having to lift heavy individuals, which can be a lot to bear on their own bodies.

Nursing home workers compensation insurance is not only mandatory for your clients to obtain, but it will provide the necessary financial and medical support those on staff will need if injured on the job and provide them with medical assistance as well as financial compensation during their recuperation and subsequent return to work.

Injuries related to nursing home staff

Musculoskeletal injuries are sometimes the result of slip and fall accidents, which often lead to sprained ankles, torn muscles, and even bruised tendons. Nurses and other caregivers would find it difficult to work with such an injury, plus walking with such a condition will often aggravate the injury and may lead to other issues and concerns. The act of constantly carrying people, at times at awkward angles, can result in back strains, herniated discs, and perhaps even over-extension of muscles, plus there’s the additional risk of creating major back problems and other musculoskeletal concerns.download Kong: Skull Island 2017 movie

Exposure to pathogens and other infectious agents

Back and neck injuries aside, there are other acts or actions that can lead to a claim. For example, if a worker accidentally gets stuck with a needle at work. This can lead to a serious infection if a syringe contains viruses, bacteria, or other pathogens, many of which could put that worker at risk for a serious illness. Nurses are also required to handle biological waste, perform work with dangerous medicines, and come into contact with chemicals that can make them nauseous or sick.

Depression and anxiety can develop due to the work

The conditions at many assisted living facilities and nursing homes can result in workers developing emotional problems. Patients dying, or residents constantly screaming demands or suffering from intense pain, coupled with long work hours, a lack of natural sunlight, and even poor eating habits can have a negative impact leading to psychological ailments, including anxiety, depression, and eating disorders.

Your clients can only benefit from a staff that is healthy, happy and ready to work, physically and mentally. You can help by adding the valuable protection of nursing home workers compensation coverage to the mix.

Infographic on a Guide to Staffing Insurance

We’ve broken down common risks that the staffing industry might face and provided a staffing insurance solution to reduce that risk in this staffing insurance infographic.