Offering your employees a safe working environment goes beyond the physical protection for bodily harm or sickness. There is a concern with job protection should an accident occur and an employee has limited mobility while waiting to heal. Employee liability insurance, also known as workers comp, is one way to provide financial protection when a workplace accident leaves them unable to perform their job duties.
If an employee is injured while on the job, they may file a legal claim to recover medical costs, lost wages and other damages. Workers comp insurance is there to help your company address these claims and offer financial support to settle the case.
However, workplace concerns move beyond accident claims when it comes to employment liability issues. The same broker that you deal with for your employee liability insurance will be able to share how to protect yourself from other employment-related claims. Some of these include.
- Violations of the Fair Labor Standard Act
- Violation of FMLA standards
- Class action lawsuit for working conditions
- Whistleblower action and protection
- Data breach concerns
- Personal injury protection for issues involving social media
- Claims of discrimination
- Sexual harassment threats and actions
- Claims of sexual and gender preference discrimination or harassment
Comprehensive insurance policies can help you address these potential threats. Consult with your local agent to find out more.