Workers Compensation 101 The majority of business owners around the country hold workers compensation policies to provide both themselves and their team with protection. Your workers compensation policy will cover any legal defense costs associated with a workers compensation claim while also covering the medical expenses and lost wages of those injured team members. However, just because you have a workers compensation policy that does not mean you want to file claims. Gathered is just a few helpful tips for reducing the amount of workers compensation claims you have to file:

• Is safety a top priority in your workplace? Often, team members put safety on the sidelines because they are focused on profitability and quantity over quality. If this is the case, you may want to start holding monthly meetings where you discuss the importance of following safety measures. You may also benefit from posting safety guidelines throughout the workplace.
• When an employee files a claim, the way in which you react and respond is crucial. It is important that you take immediate action and report the injury within 24 hours to your insurance company. Make sure to take down as much information as possible and take photographs if applicable.
• Unfortunately, the world is not filled with Honest Abes, meaning you must be aware of the possibility of fraud. It is your responsibility to investigate each workers compensation claim so that you are not paying for fraudulent claims. For example, if one of your team members claims they have injured their back on the job but then you see a Facebook post of them giving their friend a piggy back ride, save that photographic evidence to dispute their claim.
• The easiest way to prevent workers compensation claims is to focus on your loss prevention strategies. This means investigating incidents that were almost claims and determining how you can enhance safety accordingly.

Serving Beaumont, Banning, Calimesa, and Redlands, contact Little & Sons Insurance Group for all of your California business insurance needs. We can help you secure the right workers compensation policy that maximizes security for your biggest investment.