Workers Compensation

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As a grocery store owner, you strive to create a happy, risk-free workplace for your employees. Even so, it’s prudent to safeguard your business and its workers with the proper insurance policies. Getting workers’ compensation coverage for your grocery store is a great place to start. In the event of a work-related accident involving an employee, workers’ compensation insurance is designed to help to cover medical bills, while potentially shielding your business from costly liability lawsuits. State laws also mandate workers’ compensation insurance for most businesses with employees. Failing to provide this coverage could result in legal liability for work-related injuries and illnesses, legal fines and even criminal charges.

Being a grocery store employee is a tough, physical job. In addition to standing for many hours per shift, these employees are tasked with numerous responsibilities that can cause injury if performed incorrectly or repetitively. For instance, lifting heavy boxes could overexert or strain a worker, a delivery driver could be involved in a collision, or a butcher might cut himself while slicing meat. The grocery store itself is also a prime venue for slip and fall accidents, as any spilled liquids, squished produce, or packaging materials on the floor can pose a hazard. As a small business owner, workers’ compensation coverage can help keep your employees financially protected in the event of a work-related accident.

Coverage for Work-Related Illness or Injury

Grocery stores workers’ compensation insurance is designed to help cover the medical expenses associated with a workplace injury. These afflictions can range in severity from carpal tunnel syndrome to a critical slip-and-fall accident. Workers’ comp can help shoulder the financial burden of a sick or injured worker’s medical treatments, and can even help cover long-term or permanent disability claims.

Coverage for Vocational Rehabilitation

Grocery store injuries can stem from many reasons including standing too long at the cash register, using repetitive motions while bagging, or practicing incorrect lifting techniques. Thankfully, these afflictions are treatable. It’s essential that an injured employee receive vocational rehabilitation, both for overcoming physical constraints and ensuring the treated injury doesn’t reoccur.

Protection Against Lost Wages

After an accident, your injured worker needs to focus on their rest and rehabilitation. Unfortunately, financial constraints often pressure employees into returning to work before they’re ready. With grocery stores workers’ comp insurance, lost wages are usually covered, so your employee can recover fully.