When you’re operating a business, it’s important that you take the necessary steps to be a responsible employer. Part of being a responsible employer is knowing how to treat your employees with dignity and respect. You should make sure that your employees’ workspace is safe and secure. In addition to showing respect, and providing a safe working atmosphere, employers should be concerned about their employees’ personal safety. The Workers Compensation Philadelphia has available, is meant to protect both the employee and the employer after an incident.
Nearly all employers are required to purchase some form of workers compensation insurance. This insurance is extremely important. Let’s say an an employee is injured on the job. The injuries this employee sustained won’t allow them to work for six months. Not only that, but this employee now owes thousands of dollars in medical bills. What can they do? Your insurance can help to cover any medical expenses the employee will endure, and will help to cover any wages that have been lost as well.
How can you, as the employer, benefit from Workers Compensation Philadelphia has to offer? A number of business owners see workers compensation insurance as another expense they have to pay. In fact, workers compensation doesn’t only help employees, but it also helps employers as well. Workers compensation helps employees have faith in you as an employer. It also helps and encourages employees to get back on the job sooner.
Workers compensation also protects employers from dangerous lawsuits. In the past, if a company without insurance was liable for a worker’s injuries, that worker could sue that company for a lot of money. This type of lawsuit could leave a company in financial ruin. Insurance will typically pay for lost wages, medical bills, and any pain and suffering an employee experiences.
Fortunately, workers compensation doesn’t cover all injuries that happen in the workplace. Some employees are injured due to fault of their own. Irresponsible employees have been known to horseplay or fight on the job. Others may come to work intoxicated or heavily medicated. If these employees sustain injuries, the employer shouldn’t be blamed. These injuries are not covered under most workers compensation policies, which leaves the employee liable for their own injuries.
Adam M. Kotlar is an experienced workers compensation attorney representing clients throughout Philadelphia and the surrounding region.
