Accidents happen, no matter what type of business you run. As a result, you are required by law to provide Massachusetts workers compensation to employees in the event of an accident or injury.
If an employee is injured, it would be simple to just say “okay, take as much time off as you need to get better and workers comp will cover you.” However, it is not that simple! If the system worked this way, employers would be facing workers compensation fraud and scams on a weekly basis. As a business owner, it is your responsibility to investigate any accidents or injuries. It is so important to understand exactly what happened. Why?
For one, understanding how an accident occurred will allow business owners to prevent future accidents. Always remember to gather physical evidence and material relating to the accident and take picture of the accident site as well. This is a way to preserve the evidence. This will come in handy when you must file a claim; the more details and evidence, the better.
While employers may not always be willing to cooperate, it is important to do so. Employers will benefit from a thorough investigation and it may help the injured employee recover quicker.
If an employer is not honest about an accident or destroys the evidence, they may be held directly liable. This is the last thing you need as a business owner! To spare yourself from this, it is best to understand the accident and fully cooperate.
At Wolpert Insurance, we want to make sure your business does not suffer from a Massachusetts workers compensation claim. The more of an effort you make to understand the accident, the better chance you have avoiding that same accident in the future. If you are interested in getting a free quote, do not hesitate to contact our agency!