Streetsmart insurance Blog
While safety improvements slowly take hold in the construction industry, some firms are turning to technology to reduce workplace injuries.
While injuries and deaths that occur while someone is carrying out their work on behalf of their employer are compensated by workers' comp coverage, not all workplace injuries or deaths are compensable, as a recent court case shows.
Officials trace the likely genesis of the Grenfell Tower fire to a faulty refrigerator. But the use of Reynobond PE, an exterior building cladding made by Pittsburgh-based Arconic, Inc., may have contributed to the rapid spread of the fire from floor to floor around the building's exterior.
The most common injuries around pallets are when workers trip over them or step or fall on them. Sometimes employees will step on a wooden pallet for support to reach something up high
While physical fall protection violations, like failing to install guard-rails or provide fall protection equipment, continue to feature at the top of the list, this is the first time that training requirements as a stand-alone category has made it onto OSHA's preliminary list of most-cited violations has featured.
While U.S. employers are seeing fewer industrial accidents thanks to more employers putting a premium on workplace safety, some emerging trends threaten to seriously affect this trend and usher in higher workers' comp premiums.
When employees are injured on the job, some are tempted to take advantage of workers' compensation benefits. By implementing a program that offers good incentive to return, employers can reduce the risk of paying more benefits than necessary. Recent research shows that employers lose about 80 million work days because of injuries or illnesses that happen on the job. The number of employees who take off more than seven work days because of injuries or illnesses stretches into the millions. This means that employers are left to deal with the high cost of workers' compensation premiums, lost productivity and disability benefits. However, by creating a special incentive program, employers can greatly reduce these costs.
OSHA will make inspections of a workplace for a variety of reasons, including following a worker injury and always after a worker's death.
As the owner of a successful trucking business, you rely on experienced drivers to deliver their cargo and satisfy your customers. If one of your drivers is injured while they are in transit, you may be asked to pay for their medical bills and other related expenses.
Unlike traditional staff members, truck drivers are typically hired as independent contractors. Your workers’ compensation insurance policy can protect you from employee lawsuits, but it will not pay for the medical expenses of independent contractors and other non-traditional employees.
If any of your drivers are injured while they are working, occupational accident insurance can cover the cost of their medical expenses and protect your business from third party lawsuits.
How Does Occupational Accident Insurance Work?
Like workers’ compensation insurance, occupational accident insurance provides independent contractors with medical and disability benefits. Occupational accident insurance also offers accidental death and dismemberment benefits to truck drivers who receive life threatening injuries in the course of their work.
Medical Benefits – If one of your drivers is injured while they are in transit, occupational accident insurance will pay for the cost of their medical bills up to the maximum limit of your policy. Most policies include medical transportation, care, and outpatient treatment in their list of covered medical expenses.
Disability Benefits – Occupational accident insurance also pays for disability-related expenses. If one of your drivers is unable to work due to a work related injury, occupational accident insurance will pay disability benefits that can help them recover financially. Occupational accident insurance will also pay for total disability benefits if your driver is unable to return to work.
AD&D Benefits – Occupational accident insurance also provides accidental death and dismemberment benefits to independent contractors. If one of your drivers suffers from a debilitating injury, your occupational accident insurance policy will pay them a lump sum to compensate for their loss. If one of your drivers is killed while they are in transit, your occupational accident insurance policy will pay a lump sum to their designated beneficiary.
Street Smart Insurance is committed to providing affordable coverage. Whether you are looking for your first truck insurance policy or you are shopping for a better price, our agents are ready to help. Call us at 732-462-8343 for a free quote!