Employees in manufacturing companies and storage facilities are prone to accidents. Machines and equipment have moving parts, floors can be slippery and heavy items can fall from storage racks. The smart business owner would never do without proper insurance coverage to keep their workers safe.
Workers compensation insurance protects employees when they are injured, but the coverage can be quite expensive. Workers compensation claims management is critical to help reduce costs and minimize the risks.
Claims Management Steps
- Rules of Conduct – Each company should spell out the rules of safe conduct that each employee must follow to reduce injuries. Having a comprehensive safety program can also reduce workers compensation premiums.
- Injured Care – The injured person should receive prompt medical attention by a trained employee who knows how to use safety kit contents. Designated personnel should also call 911 immediately, when appropriate.
- Injury Reporting – A robust injury reporting plan should include step-by-step instructions to follow after an injury.
- Claims Reporting – It’s critical to report the claim on the same day as the accident to help the claims adjuster investigate faster and more effectively.
- Communication – The company must set up an effective means of communication between the injured employee and their claims representative.
Protect your employees from injuries and keep your costs down by implementing a thorough claims management program.