When should you find out about Missouri workers compensation? The answer is that you should have all of the information you need before taking on an employee and you should have your policy in place before your new employee steps into your premises for his or her first day at work. There are several other things you should know about this type of insurance and what to do when an employee is injured on the job.
-    Keeping records of injury related incidents is vital. When an accident occurs or an injury is reported, gather as much information as you can – in writing – from those involved and those who witnessed the incident.
-
-    You’re obliged to provide a safe working place for employees but you shouldn’t see this as a burden. It’s in your interests to be diligent with safety in the workplace because if your rate of claims is high, the cost of your coverage is likely to increase substantially over time.
-
-    While most claims are legitimate, there are a small percentage of individuals who will try to take advantage of any system, so a system that allows people to take time off work while being paid is particularly vulnerable. Be alert to the possibility of fraudulent claims and if you suspect a claimant is overstating an injury or did not suffer the injury while at work, report your suspicions to your insurer or agent.
Is your Missouri business about to expand and take on employees? Speak to us today for assistance in getting your Missouri workers compensation policy in place.