Business owners obtain workers compensation insurance to ensure that both the company and all employees are adequately protected. However, since not everyone is an Honest Abe, you must assume that some of these workers compensation claims may be fraudulent. There are three types of employees that will take advantage of the workers compensation system. These individuals include the abusers, the opportunists, and the forgotten or frustrated employees.
In lowering claims of workplace injuries, you must have sound preventative measures in place. If you handle workers compensation claims on the business operations grounds, chances are your system may be taken advantage of. You must handle all workplace injuries and workers compensation claims in a people-oriented environment in an organized manner. If you seem confused or uninformed by the process and have to refer to a handbook, a dishonest employee may use this to their advantage.
Therefore, in order to reduce the amount of workers compensation claims that are filed, you must create a system that is proven to yield results. This means providing existing employees and new hires with a booklet of their workers compensation rights and responsibilities so that they can refer to the document whenever needed. Additionally, you must also enforce safety measures in the work zone that are regularly checked and evaluated for efficiency. This may mean having a safety checklist before someone can enter the work zone or a supervisor overseeing business operation.
As a business owner, it is important that you handle suspicious or fraudulent claims directly. You cannot stand in the sidelines and wait for the claim to be filed if you are suspicious that an already injured employee is entering in the job site. Do not hesitate to question intentions to ensure that further issues do not arise.
Contact Little & Sons Insurance Group in Calimesa for all of your California business insurance needs. We will go above and beyond to provide your California business with unmatched protection year after year.
