Protect Your Staff and Your Business with Workers Comp for Restaurants
According to the most recent data from the U.S. Occupational Safety and Health Administration (OSHA) food preparation workers had more than 77,000 cases with days away from work due to reported workplace injuries and illnesses. The same report stated that there were more than 278,000 reported cases in the food services business.
Cuts, burns, slip, and falls are just some of the injuries that food service workers are exposed to on the job, and no matter how safe you make your workplace accidents happen. Workers’ compensation insurance or workers comp (as it is regularly referred to as) helps your business by usually avoiding unnecessary lawsuits from workers injured while working and it provides medical care and compensation for a portion of the income lost if your employee is unable to return to work.
These costs, if not covered by an insurance policy, can add a lot of unexpected and unwanted costs to an already tough industry.
What Is Covered In A Workers’ Comp Policy?
Every state is different and no two states have the same laws and regulations. In general, injuries sustained by employees while the employee is acting in the “course and scope” of employment are covered if the employer has workers comp insurance. A policy usually covers:
- Medical expenses
- Lost wages
- Death benefits
- Lawsuit protection
How Much Is Workers Compensation?
Like most things in the world of insurance, it depends. In the restaurant business, it is especially important to manage costs and be efficient. We offer an online quote indication tool that will give you a workers’ compensation policy quote indication in just seconds! No matter if you want to compare what you are currently paying or find coverage for your new foodservice business without having to visit an office or pick up the phone, we make it easy.