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Injured workerThe postal service guarantees service, rain or shine. Many businesses like to do the same. However, there are times that the weather can impact employees’ ability to work under safe conditions. Nonetheless, employers and employees can take safety precautions that make workplaces safer when adverse weather threatens.

Most workers have the legal right to a safe, healthy working environment. Should an injury or accident occur on the job, employees may qualify for workers’ compensation. Weather threats may pose injury risks that lead to a workers’ compensation claim.

Understanding Workers’ Comp

The law requires most businesses to carry workers’ compensation insurance. In the event of an accident or hazard on the job, an employee might become ill or sustain injuries. Following such incapacitation, the employee may have to take time out of work to recover and receive medical care. Work-related injuries might mean high medical bills, and a loss of vital income for the employee while they seek treatment.

In such cases, workers’ compensation might help. The business may be able to use its workers’ comp policy to compensate the injured employee. The payments may help the employee receive the missing income, and pay for their medical care.

Indeed, workers’ compensation can also benefit the business. By giving employees a financial resource, the business may enable them to receive better care. This access to care may help the employee be able to return to work fully recovered. Also, the employee may agree not to sue the business for damages if they can receive workers’ comp.

Weather Risks and Workers’ Comp Claims

Think about all the ways weather could harm your employees. Exposure to extreme heat or cold may lead to frostbite or heat stroke. Excessive precipitation may cause water accumulation that leads to slip and falls. More catastrophic weather could also easily exacerbate injury risks for various employees.

Therefore, businesses should do what they can to reduce weather-related injury risks for their workers.

  • Monitor weather conditions at all times. If you notice weather systems that may impact operations, take steps to notify your employees of potential threats. Most businesses have approved reporting practices that govern working in bad weather.
  • Should your operations cause direct exposure to weather, monitor employees at all times. For example, if you own a construction business, make sure those employees use proper safety precautions during times of cold, heat or severe weather. This may include wearing weather-safe clothing, taking breaks and drinking plenty of water.

Other weather risks may impact employee safety. Storms might cause electrical surges, rain might cause fall risks in damp areas. Simple workplace safety techniques may help reduce many common risks. For example, anti-surge technology or even a simple wet floor sign may help an employee stay safe. It may help avoid a potential workers’ comp claim.

Do you need San Francisco workers’ compensation insurance? Call Sweet & Baker Insurance Brokers at (415) 512-2100 for a insurance quote.

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