As an employer, it’s essential to protect your business from financial losses that could arise
from employee compensation claims. They might suffer from injuries in their workspaces when dealing with certain equipment, or they may deal with any accidents outside when traveling for work purposes.
This is where employers’ liability insurance comes in. It provides coverage for legal fees, medical expenses, and compensation payments for employees who suffer injuries or illnesses due to their work.
However, it is not black and white. The employer will try to save their pennies, and the insurance company will try to settle your case with as little compensation as they possibly can.
This is why you need someone legal to be beside you as well. This is when the job of workers’ compensation comes in.
Neck Injuries While Working
Now, let’s say you have dealt with a neck injury while working. It could be from a whiplash while working on a construction site or even a strain from overworking. In some cases, a poor neck can also be a reason behind such a case. Here are some kinds of neck injuries that will be covered by any worker’s compensation. Or, you can contact an attorney if your workplace is refusing to give you compensation for it.
- Cervical spine dislocation is when you injure your neck ligament.
- A pinched nerve is when a cartilage is pinching on your nerve.
- Neck strain, which is caused by a pulled muscle.
- A herniated disc is when a disc joint severs.
When an employer applies for joint worker’s compensation insurance from any insurance provider, these are some of the neck injuries that the company will pay for.
What Is The Procedure To Get This Compensation?
If you have suffered from these injuries, you are liable to get compensation. Here is a step-by-step guide to doing so.
What Is A Worker’s Compensation & How To Get It
Employers’ liability insurance covers compensation claims made by employees who have
suffered injury, illness, or disease due to their work. This can include claims for medical
expenses, lost wages, rehabilitation costs, and compensation for pain and suffering.
Claims can arise from various workplace incidents, including accidents, injuries caused by
faulty equipment or machinery, exposure to hazardous substances, or repetitive strain injuries (neck injuries which you are dealing with) caused by prolonged work periods.
However, you must know that employers’ liability insurance does not cover claims made by
third parties, such as customers or visitors to your workplace. You would need public liability
insurance for these types of claims.
Steps To Worker’s Compensation
- Therefore, you first need to sign an official report that your injury is due to strenuous work.
- There will be an investigatory board that will be taking the case further and discussing these claims.
- You will also have a right to a worker’s compensation attorney if you are not satisfied with the compensation.
- In case your company doesn’t have worker’s compensation insurance, it doesn’t mean you will have no compensation. Simply put, your employer will be responsible for providing the entire compensation.
Employees Most Prone To Worker’s Compensation With Neck Injuries
Generally, if you are working in the following sectors, getting a worker’s compensation for neck injuries will be much easier.
- Nurses, paramedics, theater guardsmen and medical technicians
- Factory assembly line workers
- Taxi, bus, and truck drivers
- Child care workers
- Carpet cleaners and installers
- Garbage collectors
- Cable and phone line installers
- Police and firefighters
- Dog groomers
- Equine dentists and farriers
- Healthcare workers
- Delivery drivers
- Stuntmen on movie sets.
The cost is usually calculated based on the risk associated with your business and the likelihood of an employee making a compensation claim.
The premium may be higher if your business operates in a high-risk industry or if you have a history of employee compensation claims. In general, the cost of employers’ liability insurance can range from a few hundred dollars per year for small businesses with only a few employees to several thousand dollars per year for larger businesses with a higher level of risk.