Accident Lawyer

4 Facts About Workers’ Compensation For Businesses

From minor slips to serious falls, it’s an unfortunate reality that many individuals are injured on the job each year. Workers’ compensation is an insurance program created to cover an employee’s lost wages if a person is injured at work.

workers' compensation

Most United States businesses are required to have workers’ compensation insurance to protect their employees. If you need advice about a claim against your business, an Iowa workers compensation attorney will be able to guide you.

1. Workers’ Compensation Insurance Can Save Your Business.

Insurance is a vital (and often legally required) component of your business plan. Without the right workers’ compensation policy, an injured employee could directly sue your company for damages. As a result, you may be required to pay reparations, including medical bills and lost wages, right from your pocket. These financial losses are often devastating, especially for small businesses.

2. The Policies Usually Cover Fatal Accidents.

Insurance plans aren’t limited to injuries such as broken bones or carpal tunnel. Since fatalities can occur in certain workplaces, most workers’ comp policies also include death benefits.

If an employee dies as a result of a work accident, the insurance policy will kick in to help the employee’s family pay for funeral and burial expenses. In addition, some funds can be used to support dependants if the deceased employee was providing financial support.

3. Coverage Is Required in All but Two States.

Each state has specific laws regarding workers’ compensation insurance. Generally, a business is required to have active insurance when the first employee is hired.

Texas and South Dakota are two states where workers’ compensation insurance is never mandated. Other states require coverage only if a company has more than two, three or four employees. Since the requirements vary by state, it’s important to review your local laws to be sure your business is in compliance.

4. Workers’ Comp Can Pay for Employee Lawsuit Costs, Too.

A workers’ compensation policy will often cover more than just the costs incurred by an injured employee. In most states, the policy also covers attorney fees, settlement costs, judgments and court costs associated with the lawsuit.

However, if you conduct business in North Dakota, Wyoming, Washington or Ohio, your workers’ compensation policy won’t include this employer’s liability coverage. Instead, you’ll have to purchase your policy from a state fund. You could also purchase stop gap coverage to insure your business against employee claims.

Workers’ comp is a critical part of your company’s financial wellbeing. It’s important to know your state laws and coverage requirements to be sure your company is protected in the event of a lawsuit.… Read More

How Can You Improve Road Safety Awareness?

Road safety is a sensitive topic that every driver requires deep understanding. There are rules and policies formulated to ensure that no driver causes any harm to themselves or any other drivers. However, having road safety policies is not all it takes to promote road safety awareness. Every organization should develop a way of enforcing these laws to encourage safe driving on the roads. This article features tips on improving road safety awareness and ensuring every driver gets to their destination safely.

Practical Approaches to Promoting Road Safety

Explain the Benefits of these Policies

One practical approach to promoting road safety awareness is by spreading information about the benefits of these enforced policies. Drivers can enjoy safer trips while pedestrians get safe zones for crossing the road; everybody benefits. It is important to highlight these benefits to both drivers and pedestrians to allow both parties to understand that their actions may impact other road users.

Set Speed Limits

It is essential to have speed limits specific to each road. The speed limit is the maximum speed allowed on that road; exceeding this speed exposes you to harm and increases your chances of causing an accident. Also, different vehicles feature varying speed limits primarily because of the physics involved with their sizes, weight, and balance.

Ensure Proper Understanding of Policies

Gaining the required knowledge to drive safely on roads effectively improves road safety awareness. It is crucial that you know and understand road safety policies and are taught to coordinate accordingly with other drivers and no one gets hurt. Apart from creating and sharing road safety policies, the involved department needs to ensure the drivers understand them. An excellent approach to ensure the message gets home is by including short quizzes on the policy booklets.

Maximize on Technology

Technology fits into almost every industry; it improves safety and comfort in vehicles. Established vehicle manufacturers gain a competitive advantage by including new and innovative tech ideas in their new vehicles, which feature high safety ratings. Modern units’ standard road safety features include lane assist, traction control, and safety bags.

Avoid Road Distractions

There are many distractions on the road, and it is every driver’s responsibility to focus on the road to maximize road safety. Road contractors need to avoid placing large billboards along busy highways to reduce visual distractors for drivers and ultimately promote safety.

Types of Traffic Signs Drivers Need to Know

Mandatory Traffic Signs

One common classification of traffic signs includes mandatory traffic signs, ensuring traffic flows freely. These traffic signs also remind pedestrians and motorists to remain mindful of the rules and regulations when on the road. It is an offense to violate any of these rules, and you can be fined or even sentenced to jail time.

Cautionary Traffic Signs

Road signs that fall under the cautionary classification effectively warn road users of potential hazards ahead. It is almost impossible for drivers to predict how the road looks ahead, so these signs help alert them on land … Read More

HOW CAN YOU ENHANCE CONSTRUCTION SITE SAFETY?

It is sad but true that almost every construction site globally has its own set of risks, whether obvious or not. The environment can change rapidly on a building site, and it is up to you to stay alert and cautious at all times when moving equipment or dangerous materials. There are many ways to improve site safety, and the following are some of the most effective:

Educate Workers on On-Site Safety Hazards and How to Avoid Them

Construction site safety hazards can often be avoided with workers’ proper education and training. Many injuries and fatalities occur each year due to improper use of equipment, working in hazardous areas, or failing to follow safety protocols. By providing workers with information on the common hazards they may encounter on a construction site and how to avoid them safely, you can help prevent a construction site accident.

Require Workers to Wear Proper Safety Gear, Such As Hard Hats, Gloves, and Goggles

Another way to improve construction site safety is to ensure that workers wear proper safety gear, such as hard hats, gloves, and goggles. This will help to protect them from injuries caused by falling objects or debris, contact with hazardous materials, and eye injuries. Taking these precautions can help minimize the risk of accidents and injuries on construction sites.

Post Warning Signs around the Construction Site

Posting warning signs around the area will warn workers and passersby of potential hazards in the area. It is important to post these signs in a visible location to be seen easily. Additionally, it is important to keep the signs up-to-date. As the construction project progresses, new hazards may arise and the signs must be updated to reflect these changes. It is also important to ensure that all workers know the warning signs and understand their meanings. This includes both workers on the construction site and pedestrians who may pass by.

Establish Rules for Safe Behavior and Enforce Them Rigorously

Construction sites can be dangerous places, with many potential hazards that can cause injuries. To ensure the safety of workers on construction sites, it is important to establish rules for safe behavior and enforce them rigorously. One important rule is to avoid distractions. Construction sites can be noisy and chaotic, so focusing on the task at hand is important. Workers should avoid talking on the phone or texting while working and always stay aware of their surroundings.

Regularly Inspect the Construction Site for Safety Hazards and Take Corrective Action As Needed

This includes inspecting equipment, tools, materials, and the work area itself. If any hazards are identified, they should be corrected immediately. Enforce safe working practices and provide adequate safety gear like hard hats, goggles, gloves at all times while on the construction site. Have a written safety plan updated regularly when needed after major accidents.

Ensure That All Equipment Is Properly Maintained and Safe To Use

All the equipment on a construction site plays an important role in maintaining safety. Unfortunately, sometimes, … Read More