Cornerstone Insurance Agency Blog
Accidents can happen in the workplace, but they can be prevented. Being a business owner, you should care for the welfare of your employees because they are your assets. In your business, I’m sure you have workers compensation insurance since it is mandatory. If injuries happen during working hours, you need to follow the steps listed below.
File a report
If you are an employee, and you have been injured in your field of work, you need to report it to your employer as soon as possible so that they can have a remedy in an instant. For employers, if you are holding the insurance records of the workers, you should report it to the insurance company so that they can make an action and process your insurance immediately.
Seek medical care
Even if there is blood involved or not, you should seek medical attention immediately. Before they give you the proper treatment, make sure that first aid was given first. You should not be worried about the medical bills because the policy covers it. You can choose a physician given that he or she will charge your fee based on your insurance benefits.
Record expenses and missed works
If you are hospitalized, depending on your insurance deductibles, part of it will be covered by the policy together with your prescriptions. For compensation of missed working hours, the fee can also be a benefit of the insurance. Keep in mind that the expenses you are recording are related to the injury, or else the insurance company will not pay for it.
Hire a lawyer
If you are thinking that hiring a lawyer is an additional cost to pay, you don’t need to worry if it is included in the terms of your insurance. A lawyer can help you in filing for claims based on the coverage of the policy. Injury attorneys are experts on injury-related cases in the workplace, so they know how insurance should work.
Make sure that you can utilize the workers compensation insurance in case of injuries because it will be a big help in times of trouble. Providing compensation for the worker will be difficult if it is coming from the pocket, so you need to keep track of your insurance records, and you should avoid lapses.
At Cornerstone Insurance Agency, we put our clients first by offering them policies that they can afford. Having insurance is a necessity nowadays and we're here to help you out. Learn more about our products and services by calling our agency at (888) 661-8831. You can also request a free quote by CLICKING HERE.