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Why Does Your Business Need a Workers Compensation Program?

When it comes to your business, the health and safety of your employees is paramount. Not only do you have to provide a safe workplace for your employees, but also make sure that they are protected in the event of injury or death when working in your premises. That is why you need a worker’s compensation program.

What is a Workers Compensation?

Worker’s compensation is a type of insurance that covers employees working with an organization. The compensation can cover medical bills and a portion of lost wages (temporary disability) and replaces income that workers would be earning if they weren’t
injured. While this benefit might seem like an expense to small businesses, especially startups, there are a number of reasons why most businesses should have a workers compensation program in place.

Reasons to Have a Workers Compensation Program

If you oversee the business operations for a company, establishing and maintaining a workers’ compensation program should be one of the first tasks on your list. There are many reasons why you should have a workers compensation program at your place

Requirement by the Law

Every state requires businesses to have workers compensation insurance coverage in place before they employ any employees. Even if you only have one employee, you must have this coverage in order to comply with the law.

Reduces Your Liability

If you do not have workers compensation insurance and an employee gets injured on the job, it can be very difficult to defend yourself against a lawsuit because the worker

could claim that he or she was injured due to unsafe working conditions or other violations of safety regulations. This could force you to pay out of pocket for damages awarded by the court and even more money if the court finds that you were negligent in
protecting your employees from workplace hazards.

Reduced Employee Turnover

You can reduce employee turnover by offering incentives for staying on the job during recovery from an injury or illness caused by work activities. This can also help reduce employer liability in cases where an employee suffers an injury that isn’t work-related
but doesn’t disclose it to his employer out of fear.

Peace of Mind

Workers’ compensation insurance gives both employees and employers’ peace of mind, knowing that they will be protected if an accident occurs at work or if someone gets sick while performing duties as part of their job duties. This can help ensure that workers are not only safe but also happy in their jobs, which increases productivity and helps retain valuable employees. A workers compensation program is an assurance you can offer your employees in regard to their safety, both from an occupational hazard point of view or from a psychological or health standpoint. Contact our Jacksonville work injuries center to provide a safe environment for your staff to work. It will help keep your employees happy. As a result your business will grow and thrive.