If you are like most employers, you have spent a considerable amount of time and energy assembling an excellent team of skilled, experienced professionals to work for you. These individuals are true assets to your company, and you may even have a personal connection with many of them. The last thing that you want to worry about is one of these people getting injured on the job. However, workplace injuries can happen in even the seemingly safest work environments. If you want to ensure that your employees are covered in the event of an accident, these steps can help.
Have a Plan
The best way to prepare for a possible workplace injury is to have a plan of action in mind. Your plan should include who will contact 911 to send emergency medical professionals to the workplace. It should also include the need to file an injury report and for witnesses to complete similar reports. Your plan may even include details about the use of vacation and sick time to recover from the injury.
Conduct Safety Drills and Training Sessions
It is not enough to simply have a plan to address the situation. You also must ensure that your team knows the proper way to handle the situation if a devastating event occurs. Periodically, conduct safety drills using mock scenarios. You can also follow these up with training sessions. There are several videos online that you can show your team during these training sessions that can help you to get your points across more clearly.
Buy Excellent Insurance Coverage
When an individual is injured on your property, you may be held financially responsible for any medical bills, lost income and other expenses associated with the event. Some individuals may even hire a personal injury lawyer such as Otorowski Morrow and Golden, PLLC if you are unable or unwilling to pay for the expenses. A smart idea is to buy excellent property liability insurance so that the costs of any on-site accidents are covered.
Offer Disability Insurance as a Benefit
If you have a rather dangerous work environment, it may be beneficial to offer disability insurance to your team as a benefit in the compensation package. Disability insurance may pay for ongoing medical expenses as well as for lost income during an extended recovery period.
Injury accidents can happen at any time, and you and your team need to be fully prepared for these types of events. There are numerous steps that you can take to ensure that your employees are well-cared for in the event of an accident.