A workers compensation insurance guide to help you
Employers know that accidents can happen in the workplace. That is why they take out insurance policies called employers liability insurance or workers compensation insurance. If you have just come across this, it can be a confusing and difficult thing to understand. A simple one-two-three guide to workers compensation insurance is given here to help you.
Workers compensation insurance guide – Part One
Employers take out an insurance policy and pay a premium to an insurance company every year or every month. The workers compensation insurance covers them for claims for compensation that are made against them. This happens when a worker is injured in an accident that was the employers fault. The compensation is paid from the insurance policy to the worker to help them with their injury and with any money that they have lost because they have been injured. In general, the more serious injuries get paid the higher levels of compensation. The process of making a claim for compensation is sometimes called a personal injury claim.
Workers compensation insurance guide – Part Two
Workers can be injured at work in many ways. Some accidents can be shown to be the fault of the employer and some cannot. Some common accidents that occur in the workplace are:
- Falls from a height
- Slips, trips and falls
- Burns and scalds by heat or chemicals
- Hit by objects flying out of machinery
- Getting body parts caught in machinery
- Getting hit by a vehicle
- Getting trapped under collapsed buildings
Employers have several duties that they are expected to perform in order to keep their employees safe. These may include:
- Risk assessments of work tasks
- Appropriate training and supervision
- Supplying appropriate equipment
- Maintaining equipment and machinery properly
- Guarding machinery
- Maintaining a safe working environment
- Providing personal protective equipment
- First Aid facilities
Workers compensation insurance guide – Part Three
If the worst case happens and you, as a worker, are injured in an accident at work that is not your fault you can seek advice about how to claim compensation. The best way to do this is to contact Accident Advice Helpline on 0800 689 0500 or from your mobile on 0333 500 0993. They are a specialist law firm. Their highly trained, professional advisors will help you take a quick 30 second test to assess if your claim is likely to succeed. The next step is to put you in touch with a personal injury lawyer who will deal with all the legal aspect on your behalf. A lawyer that is suited exactly to your case will be chosen for you by Accident Advice Helpline from their extensive in-house pool of lawyers. You can just relax and let them handle the case for you.