Beyond Carpenters Thumb

Beyond the general injuries common to all construction tasks, there are mishaps specific to certain artisanal practices. Risks are different depending on the tools and techniques used. Handicraft carpenters who work on delicate moldings or carvings don’t need to be insured in the same way as carpentry professionals who deal with house frames. Attract new clients and maintain current relationships as partner operations expand by offering a selection of carpentry workers compensation policies that’s varied and robust enough to address the needs of various specializations.

Done By Hand

The statistics on the types of injuries sustained by artisan workers might be unique, but the services they need are common to all workers compensation policies. Both employers and employees need their rights protected. The first step to a balanced and effective advocacy is choosing policies that fit the exact needs of a profession. After all, you wouldn’t offer a policy that covers race pit crews to a small auto repair shop. Make sure you start off on the right foot by getting policies that fit, and everything will work out naturally in the event the unfortunate occurs.

Your clients depend on you to pay the same attention to their carpentry workers compensation policies that they do to their construction work. Make sure you can offer the best policies that cover all the likely eventualities efficiently.

Workers Compensation Insurance in Los Angeles and Respiratory Concerns

For most industries, injuries to employees are a major concern. Some jobs pose more serious issues due to the type of work being performed. Auto repair and nursing homes require heavy lifting, telecommunications linemen must work from heights, construction workers face risks operating heavy machinery. One of the primary issues that certain types of workers suffer from is that of a respiratory problem.

When working in conditions where the air is constantly full of dust, or your staff is breathing toxic fumes emanating from the type of products being produce, this can lead to employees being at risk of developing breathing problems. Regardless of the specific danger involved, workers compensation insurance in Los Angeles allows employees the advantage of seeking immediate medical care.

Respiratory issues can sideline an employee for weeks or longer

Symptoms caused by a respiratory infection may vary widely between that of a mild cold to those of severe pneumonia, which is one of the many reasons why owners must carry workers compensation insurance in L.A., which is designed to aid workers who fall victim to these types of ailments. Employers must realize that any individual in their employ could end up missing work for weeks, or even longer, depending on the severity of any work-related respiratory problems when it affects the employee’s ability to perform his or her work duties.

Some people are more sensitive than others and run a higher risk of becoming ill or incapacitated. Symptoms include allergies, asthma, pneumonia, wheezing, chest pain, and shortness of breath. In addition, some people may experience nasal congestion, bacterial infection, or respiratory infection, as well as viral infections, influenza, sore throat, coughing, or fever. Respiratory problems fall under a workers’ compensation category named occupational disease.

In some industries workers may also become victims of lung disease, generally caused by poor indoor air quality. This simply points out the necessity for all employers, facing exposures common in their industry of choice, to carry workers compensation insurance in Los Angeles to help with the expedition of the claims process when an employee complains about any issues with breathing while at work.

Workers’ compensation is made available to employees that develop respiratory problems caused by continuous exposure to dangerous materials within their workplace, and odds are that they will end up filing a claim whenever they develop a problem of this nature.

Manufacturers Insurance for Valued Protection

Manufacturing companies provide products for a lot of industries across the US and many corporations rely on getting their precious merchandise on time for an awaiting market. If you begin experiencing delays you may face the possibility of losing crucial business from major firms you do dealings with. You need to consider the impact that having a work stoppage due to an equipment breakdown issue could cause for you and your business.

When your operations become interrupted due to a mechanical issue how will you be able to deliver your orders? Without backup equipment in place and at the ready you may need to find alternate ways to fill orders, either optional facilities or the rental of equipment. This naturally will increase your costs adding even more concern, and that’s where having manufacturers insurance comes into play.

Customers likely will not wait because they have deadlines to meet as well, so there’s a real likelihood that orders may be cancelled and you’ll also suffer a loss of revenue, along with possible damage to your reputation. Having coverage for equipment breakdown is the solution to this issue.

Many types of mechanical issues can occur

Aside from equipment used in manufacturing there is probably additional equipment that keeps your business up and running. Air conditioning for hot summer months, and boiler and pressure vessels are commonly used for heat and hot water. Cookers, sterilizers and some cleaning equipment are other common types of pressure vessels.

Boiler and pressure vessel accidents can be the result of defective welding, scale or sediment build-up, or simply the failure of control or safety devices. Persons in close proximity could experience a serious injury in the event of a major malfunction adding additional concerns.

Another common exposure for many manufacturers is electrical systems, which can further add to delays. Transformers, panels and cables, many of which are interconnected cause additional risk since excessive voltage issues in any one of these components can lead to significant damage to the entire system.

If your company has the distinct possibility of an equipment failure issue you should get the protection you need by having manufacturers insurance that includes equipment breakdown coverage to keep you up and running.

Workers Comp Insurance and Minimizing Fraud

The problem with dealing with workers’ compensation fraud is that it can be somewhat difficult to prove but fortunately there are actions employers can take to reduce the risk.

Employees should understand the benefits of the program as well as their own obligations. The policy should clearly outline that suspicions of fraud will be investigated and legally pursued wherever warranted.

A workers comp insurance claim needs to be filed in a timely manner so agents need to let employers know that they need to ensure that employees understand the need to immediately report any accidents or injuries as soon as they occur. Getting an injury treated quickly is key to helping the individual recover quickly and also likely minimize the cost.

Conduct investigations related to claims

Claims investigation should be done to ensure they’re accurate and being handled consistently within the law. Investigating the details will have multiple benefits including reducing fraud, and could also lead to procedural changes that may reduce the likelihood of that particular injury happening to someone else. Conduct interviews with any witnesses that can help to explain what happened.

Have employers provide a way for employees to anonymously report suspicions of fraud and suggest that they consider using surveillance equipment at the worksite along with having a drug testing policy that includes testing any time an accident occurs. This could improve overall safety and reduce all workplace injuries, and not just fraudulent ones. Also they should look for inconsistencies or other red flags, such as:

  • Stories that contradict one another
  • Injuries that are not medically consistent with the other details of what happened
  • No witnesses to the accident occurring, or
  • Injuries and claims that occur immediately before a major change, such as a seasonal layoff, a strike, or other situations in which the employee would lose pay

Tell employers about the benefits of creating a program to get injured or ill employees back to work as quickly as is feasible, along with having a regular schedule of communications and a monitoring process that tests the worker’s abilities in order to help determine whether they’re able to return to work.

They need to be thorough when screening new hires, using background checks to look for evidence of filing fraudulent workers comp insurance claims in the past. Even if the claims are legitimate, it could mean this individual does not follow safety guidelines. Providing employers with this type of information can reduce their workers comp costs.


Nursing Home Workers Compensation Underwriters Look to Reduce Exposures

Insurers applaud nursing homes that have implemented injury prevention efforts focusing on resident lifting and repositioning methods since it can greatly reduce the number of claims filed by workers injured in the execution of their duties. Workers compensation underwriters can provide lower rates to those having achieved considerable success in reducing work-related injuries and associated workers’ compensation costs.


There are other additional benefits for some facilities that are able to provide a safer and more comfortable work environment, including the following:


  • Reduced staff turnover


  • Associated training and administrative cost reduction


  • Reduced absenteeism


  • Increased productivity


  • Improved employee morale, and


  • Increased resident comfort


These guidelines provide recommendations for employers that can aid them in reducing the number, as well as severity of work-related musculoskeletal disorders in their facilities, using methods found to have been successful in other nursing home environments.


After all, providing care to nursing home residents can be physically demanding work. Nursing home residents often require assistance in performing ordinary tasks such as walking, bathing, or other normal daily activities. In some instances, residents are totally dependent upon caregivers for mobility. Manual lifting and other tasks involving the repositioning of residents are associated with an increased risk of pain and injury to caregivers, particularly to the lower back.


These tasks often result in high physical demands due to the large amount of weight involved, awkward postures that may be a result of leaning over beds or working in confined areas, and the shifting of weight that may occur if a resident loses balance or strength while moving patients is another serious factor. The risk factors that workers in nursing homes face include the amount of physical effort required to perform a task, performing the same motion or series of motions continually or frequently, and assuming positions that place stress on the body, such as reaching above shoulder height, kneeling, squatting, leaning over a bed, or twisting the torso while lifting.


The number and severity of injuries resulting from physical demands in nursing homes and associated costs are something that workers compensation underwriters look at, and those can be substantially reduced by practicing safer work procedures and methods.


photo credit: ulrichkarljoho cc

Special Needs in Insurance for the Service Industry

The unique needs of business insurance in the service industry call for specialized coverage. With the range of exposure that is typical in the field, and the number of employees performing various tasks, finding the right country clubs workers comp coverage is one of the most important tasks in the business operation. As an ongoing expense that bears a direct relationship to the record of safety and security, workers compensation coverage is a legal requirement that affects various businesses in different ways.


Employees Working as Guests are Relaxing


Country clubs are a unique type of business, providing a range of services from dining and hosting gatherings, to sports activities recreation, and more for their guests. The employees who serve the guests, maintain the facilities, and provide other services at the club each fill unique roles in the operation and face very different risks in performing their work. The country clubs workers comp insurance must be unique and be specifically tailored to the particular business and its needs. Working with insurance specialists, the risk management officer at the club can find ways to reduce premiums while maintaining optimal coverage. Insurance experts can help find opportunities to reduce risk and improve training for employees so that they can do their jobs better and safer for everyone, leading to reduced claims, lower premiums, and legal compliance that makes everyone’s job easier and safer.


photo credit: aldenjewell cc