TUESDAY, MARCH 23, 2021
Grocery store employees engage in considerable manual labor, often in an environment that could be hazardous even under the best of circumstances. As a result, most grocery establishments must carry workers’ compensation insurance that will apply to both full-time and part-time employees. It’s there to assist both the business and employees when someone on your staff gets hurt on the job.
Because of the occupational risks associated with working in the grocery industry, workers’ compensation insurance can prove invaluable to injured employees. However, it’s important for the business owner to recognize precisely what situations might lead to workers’ comp claims. Let’s take a closer look.
Workers’ Compensation in Brief
Anyone could get hurt on the job or get sick when exposed to certain workplace conditions, even those who work in jobs that they think of as low-risk.
Regardless of whether the business was at-fault for the accident, they still have a duty to see to their employees’ welfare following the accident. It happened on their company premises, after all. This is where workers’ compensation insurance comes into play.
Workers' compensation coverage will pay supplementary income while employees cannot work. It can help them pay medical bills and even day to day costs, which would ordinarily be paid by their regular paycheck. Thus, they won’t face financial hardships simply because they can’t work due to an injury.
Common Workers’ Compensation Risks in Your Office
Often, businesses must provide workers’ compensation insurance to employees by law. So, you’ll likely have to get a policy when you plan to open a grocery business.
You might ask, however, what injuries will qualify for workers’ compensation? Here are just a few:
Slip-and-fall risks: Your employees might slip, fall and hurt themselves, even when simply walking around the space.
Repetitive motion injury risks: Employees might work on computers, consistently typing on a keypad. They might have to do heavy lifting all day. Over time, this could lead to deteriorating joints and other internal damage.
Driving injuries: If employees drive a car as part of their duties, they might get hurt in accidents.
Workplace violence: Someone might get hurt by another person, even when they are trying to do their jobs.
Fires: Burn injuries might result should a fire break out in the store.
Additionally, toxic exposure injuries, and work-related chronic illnesses will also qualify for workers’ compensation. However, it’s important to work with your workers’ compensation insurer to ensure your benefits comply with all local workers’ compensation standards and meet your own specifications. You do need this coverage. Don’t wait to get it.
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