How You Can Avoid Common Workers Compensation Missteps, common workers comp mistakes that you should avoid

How You Can Avoid Common Workers Compensation Missteps

Here are some of the common workers comp mistakes that you should avoid.

As a business owner, you are charged with securing the right workers compensation insurance to protect your employees.  Unfortunately, many business owners make mistakes with their workers comp coverage that end up costing them in the long run.  Here are some of the common workers comp mistakes that you should avoid to ensure that you are effectively managing your business’s coverage.

  • Failing to Document the Incident

At your business, you should have a policy to document every injury that occurs on the job, no matter how seemingly minor it is.  For instance, if an employee comes to you complaining of soreness in their wrist, it’s important that you treat this issue seriously rather than writing it off.  The benefits of documenting every incident that occurs at your business are multifaceted.  On one hand, you can identify which workplace processes or tasks cause the most injuries and adjust your safety protocols accordingly.  Additionally, this documentation will ensure that you have the necessary paperwork should an injured employee express their wish to file a workers comp claim later on.

  • Failing to Secure Witness Statements

If an employee claims that they have been injured on the job, it’s vital that you secure statements from those that have witnessed the incident.  All witnesses of an accident should fill out a statement explaining what they saw and what they think happened.  This will help to corroborate the injured employee’s story or will reveal inaccuracies in their account.  If the witness statements back the employee’ story, then you can proceed with the claims process.  If the statements do not match what the injured employee has told you, then this should prompt you to investigate the claim more closely for signs of fraud.

  • Failing to Work with Your Claims Adjuster

If your insurance provider sends a claims adjuster to investigate your claim, you should be transparent and helpful at all times.  This means offering them your documentation of the incident, the injured employee’s statement, the witness statements, and whatever else the adjuster might need.  You should also work with the adjuster to schedule meetings with the injured employee and other witnesses if they request it.  By working with your adjuster, you can ensure that the claim is thoroughly investigated and the compensation process proceeds smoothly.

These are some of the common workers comp mistakes that you should avoid.  Do you need help securing or managing your workers compensation insurance?  If so, then contact the experts at Tri-Star Insurance/HUB International in Plano, Texas.  We are ready to assist you with all your commercial coverage needs today.