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How to Protect Your Business from Personal Injury Claims

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Being a business owner puts you in a tough spot. At any given time, there may be an employee who is making a personal injury claim against your company, and you have to be prepared. Although work accidents happen, there are moments when people seek to destroy everything you’ve built, even if their complaint is a trivial one.

In these cases, you mustn’t lose your calm, even though you probably feel like you’re going crazy. You must stay strong and defend your business to the best of your ability. No matter what the complaint is, you have to provide protection.

To do so, here are a few things you should do to overcome this:

  1. Get a General Liability Insurance Policy

A general liability insurance policy is a must unless you want to put your business at risk of a personal injury claim. Of course, it requires some additional cash from you, but ultimately, you’ll be thankful to have invested. It’s much better than seeing the business you’ve built for so long, crumble because of a personal injury claim.

There are also cases when you can get property insurance and have liability insurance as an included policy. However, if you have a business you operate from home, you may not have this insurance policy, so you should go for business liability insurance.

  1. Prevent Accidents

Alright, you may be asking yourself, “How do I even prevent that?” when it comes to business injuries, but there are ways to decrease the possibility of it happening. For example, it may be possible that you have unwiped or unrepaired floors. While this may not seem like such a huge problem in itself, it may cause an employee to slip and fall, thus injuring themselves.

This is why you have to make sure that your floors are immediately get repaired in case they are damaged, and any spill gets wiped as soon as possible. If you don’t do this and someone actually ends up with an injury, it’s considered negligence on your part, and the employee can file a personal injury lawsuit.

There are also injuries that may occur as a result of the building’s façade breaking. They may fall on your employees and cause serious injuries. Likewise, bricks in the building’s construction may lose their mortar over time, becoming dangerous as they create a hazard.

You’re responsible for the structure of the building, too, so you shouldn’t overlook making reparations and maintaining the place as much as you can.

  1. Handle an Accident Properly

If an accident happens anyway, you need to know how to act and be responsible during the event. First of all, call emergency help and ensure that the employee is being taken care of. This will prove that you care and want what’s best for your workers.

Secondly, ask people who witnessed the incident for statements on what happened and how it happened, and have it written down. Document the accident and everything about it to have it in case of anything. If you receive statements from witnesses, don’t forget to provide names and contact information for them as well.

Handling it this way will come in handy if the employee files for a personal injury claim anyway.

  1. Get a Lawyer

Even though you repair and wipe your floors as a form of prevention, it doesn’t make you completely immune to accidents. You never know how or when an employee is going to get hurt. Therefore, you should consider getting a business attorney to handle the situation in your favor.

Personal injury lawyers will take care of your bank account, legal documents, contracts, and anything necessary to help you with your case.

  1. Educate the Company’s Workers

A process that any business must take part in is training their employees how to stay safe during work. Usually, this is established very early on, when people are barely getting started with their new job. You have to teach them how to work carefully and avoid getting hurt in any way.

Especially if your business requires your employees to use equipment, there are situations when it may get dangerous if they’re not careful with it. Teach them how to use it properly so that they can prevent getting serious wounds.

Furthermore, try to provide some safety equipment to increase the safety level as much as you can. Safety equipment differs depending on what type of work your employees have to put in, so don’t hesitate to do your research and find out what could aid them in their mission.

Ask your workers for feedback when it comes to safety measures, and if you receive anything negative, consider it and try to come up with solutions. This is in the interest of both you and your employees, so you shouldn’t refrain from asking these people for feedback. After all, they spend a lot of their time at the workplace.

  1. Make Sure Everything Is Organized

Don’t have random objects spread everywhere. Whether it’s boxes, equipment or anything of the sort, you don’t want it to get in anyone’s way. The more this happens, the higher the risk of accidents becomes.

Everything must be kept away from high-traffic areas to prevent unwanted scenarios from occurring. Also, organization means you should also organize your important documents such as certificates and everything of the sort. Make sure they are all still available and haven’t expired.

Final Thoughts

It’s never pleasant to deal with a personal injury claim as a business owner. It’s a situation where you could lose everything. Besides, it’s costly, and will also damage your reputation as a company.

The best thing to do is try to prevent accidents as well as possible, and know what to do in case one occurs. Concurrently, you should also hire an attorney and have a liability insurance policy for more protection. The better you prepare, the less likely it is for you to suffer the consequences.

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