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Injured Worker Sitting in WarehouseIf you are a Georgia employer, you undoubtedly have a workers compensation insurance policy to protect yourself and your employees in the event of a workplace injury or illness. Workers compensation insurance is designed as a win-win safety net. Employees know they'll receive benefits and employers know they're protected from costly lawsuits. However, do you know the basics of what an employer is responsible for?

What Are Your Workers Compensation Insurance Responsibilities As An Employer?

The Occupational Safety and Health Administration is clear about employer workers compensation responsibilities. To avoid being fined by the government and being subject to lawsuits by injured or ill employees, first and foremost you must have a workers compensation insurance policy. Additionally, you must inform new hires and existing employees about their rights by posting signs in prominent places in your business where employees are certain to see them. These signs must explain employees' rights under workers compensation laws. They must identify the name of the workers compensation insurance carrier and the name of the individual designated to receive claims. They must also inform employees that if they're injured at work, they are entitled to medical care and have a voice in who treats them. Finally, they must explain available workers compensation insurance benefits.

No Procrastination

In addition to making sure employees are aware of their rights, employers are required to give injured or ill employees a workers compensation claim form within one day of learning of the injury or illness. At that time, employers also must provide injured or ill employees written information reiterating their rights under workers compensation regulations, available benefits, and instructions for submitting a claim.

The workers compensation system exists to protect you and your employees. Your employees represent your most valuable asset; it's in your best interest to fully comply with your requirements under the law. Sometimes, workers compensation issues are not clear cut, and you may wonder if a claim falls under your workers compensation insurance coverage. For help understanding what is and isn't covered under your policy, contact us at Fleming & Riles Insurance at (800) 833-4379 for more information on Georgia workers compensation insurance.
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