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2 people sitting on a park benchWhen the worst happens at your business location, you need to know what to do. When a worker suffers an injury or even dies on the job site, it is critical to know how to handle the situation. In every case, do the best you can do to help your worker. Then, if necessary, support his or her family. There are many things you need to consider. Your workers’ compensation insurance plan can also help you in these events. Here are a few things to keep in mind.

Know How to Get Help

Whether it is an office building or a large manufacturing plant, fatal accidents can occur anywhere. Some may not be work-related. A heart attack, for example, in an office worker may not be the company’s fault. Yet, even in these situations, your team needs to know how to act.

Hold a training session. Bring in a human resource team to help your workers to prepare for such situations. Some of the things they may cover include:

  • How and when to call 911.
  • How to use an on-site defibrillator.
  • Where to locate medical emergency equipment and bandages.
  • How to handle customers in the location.
  • What to do with other workers in the area.

It’s important to assign at least one if not two people to know how to handle an emergency. You want them to have proper training so they know what to do.

Know the Risks

It is also important to provide training based on the types of risks you have at your location.

For example, do they know how to handle burns and grease fires? Do they know how to handle lacerations? If someone passes out, do they know how to help in these areas? Again, having a human resource team help you to provide this training is important. They are familiar with the most-common risks on your premises.

Workers’ Compensation’s Role

Your workers’ compensation insurance is there to help you in these instances. Your agent is likely to make the process as easy as possible. They will gather information about what happened. They will discuss with you the events. They will need information and, potentially, photos of the incident. The more information you can provide, the better.

From there, your agent works directly with the family to create a settlement, if they qualify for one. Usually, this is not something you, as the business owner, have to worry about initially. Workers’ compensation insurance provides coverage for many of the risks related to onsite deaths.

Contact us now for more information on workers compensation insruance.
Posted 4:27 PM

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First Insurance Group
Main Office 2520 South Highway 27 | Somerset, KY 42501 | Phone: (606) 679-3570
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