stop gap insurance coverage

Protecting Your Business From Accidents or Injury

As an employer, there are few things less alarming or concerning than having an employee injured on the job. Not only can this be stressful, but from a business standpoint, this can also mean you may have to replace your employee until they recover, and even worse, deal with legal issues including costly reparations. Because of the potential consequences of having to deal with this, liability insurance and stop-gap insurance coverage can ensure your employees will be adequately taken care of in case an accident occurs.

Be Proactive

The best way to protect your business from these types of liabilities is to be proactive. This means physically setting up your place of business to be as safe as possible as well as covering yourself legally in case an accident occurs. Some things you should do well in advance include:

Ensuring your facilities are up to code

Scheduling regular maintenance services

Scheduling repairs as soon as possible

Blocking off areas under maintenance or repair

Regular training to keep employees up to date on safety protocol

Ensuring that accidents or injuries are covered in the policy and getting stop-gap insurance coverage as needed

While having a positive work environment is important, employee safety and well-being should be non-negotiable. Be sure to check if your policies are current and that all your bases are covered.