Business.com - How to Manage the Workers' Compensation Claims Process
www.business.com Tips on how to best navigate the worker's compensation process BIO: Tim Gaspar is the owner of Gaspar Insurance Services. TRANSCRIPT: Hello. My name is Tim Gaspar with Gaspar Insurance Services. We are an insurance agency specializing in insurance for small and medium-size business owners. Today, we are going to talk a little bit about workers compensation insurance and some of the things you should know about filing a claim and the claims process. In some states, workers' compensation insurance is the law. If you hire even one employee under your supervision or on your payroll, you have to have workers compensation insurance. The fines for not having it, depending on your state, can be very substantial. Even if you do not have any employees, if you hire subcontractors, and they don't have their own workers' compensation insurance, depending on your state, there's a pretty good chance that you might have to go ahead and get a workers' compensation policy to cover them. A workers' compensation policy generally covers any injuries your workers sustain while on the job. Now the first thing you want to do when you get your workers compensation policy is that you make sure and find the workers compensation claims kit. This is typically sent to you by the workers compensation insurance company, and will usually be clearly labeled as the claims kit. Make sure that you have this somewhere it is readily accessible and that you know where it is because for most ...
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