Law Offices of David Lowe | California Workers Compensation Lawyer

Workers’ compensation insurance is an important aspect of business that requires your consideration as a business owner. It provides you with protection from lawsuits if you have an employee that suffers an injury while at work.

Insurance Business Magazine explains that you want to check your state’s laws before you do anything. You have to be sure that you must carry the insurance before buying. You also need to understand the potential fines and penalties that can result from not having proper insurance coverage.

Learn the system

Beyond getting the insurance, you also want to make sure you understand the workers’ compensation system in the state. Find out the guidelines for submitting claims. Learn the time limits in a case. Find out about claim denials, and get information on how to appeal a claim. You want to know everything you can about your side and the employee’s side of the process. This knowledge will help you to make the most of the system. Plus, it ensures you completely understand your duties and obligations so that you can avoid issues.

Avoid the need

Ideally, you will never need your workers’ compensation insurance. You can increase the chances of avoiding claims by making your work area safe. Make sure that you train employees properly on how to do their jobs and on safety regulations. Ensure everything in the workplace is up to OSHA codes and abides by safety and health laws. If there is a hazard, make sure to give it immediate attention. Finally, always pay attention when employees voice concerns about safety,