Call Us (941) 497-2468 ☰ ˟
Ramey Insruance Agency
(941) 497-2468

We’ve Moved! Find our new address here.

  • Home
  • Coverage
    • Automobile
    • Boat
    • Business
    • Commercial Auto
    • Flood
    • General Liability
    • Golf Cart
    • Homeowners
    • Mobile Home
    • Motorcycle
    • Personal Umbrella
    • Recreational Vehicle
    • Renters
    • Wind Mitigation
    • Workers Compensation
    • Uninsured & Underinsured Motorist
  • Get a Quote
    • Auto
    • Business
    • Flood
    • Golf Cart
    • Homeowners 
    • Mobile Home
    • Recreational Products
    • Renters 
  • Customer Service
  • Resources
    • Refer a Friend
    • Carriers/Claims Numbers
    • File a Claim
    • Insurance Glossary
    • Business Partners
  • Blog
  • About Us
    • About Us
    • Our Office
    • Employee Directory
    • Reviews
    • Privacy Policy
  • Contact
Home Insurance Auto Insurance Flood Insurance Business Insurance Workers Comp Insurance Commercial Auto Insurance
Home > Blog > Common Workers Compensation Risks In Retail Stores
TUESDAY, MARCH 23, 2021

Common Workers Compensation Risks In Retail Stores

Retail ShoppingIf you're in the retail business, then you certainly have to hire enough employees to keep the doors open. That's especially true if you want to have the support you need as your business grows.

However, as you increase your staff, you have to recognize that you owe all employees a safe, secure and healthy working environment. If for some reason they sustain harm, you will often have to offer them financial assistance. This aid can come in the form of benefits provided by your workers compensation insurance policy. It's a great benefit to have because it significantly reduces your own financial liability for employee injuries.

There are numerous occupational injury scenarios that might qualify an employee for workers compensation. However, the more you do to protect your employees, the lower your risk of claims will be. Let's take a look at some of the common causes of workers comp injuries.

Workers Compensation In Brief

Anyone could get hurt on the job or get sick when exposed to certain workplace conditions, even those who work in jobs that they think of as low-risk.

Regardless of whether the business was at-fault for the accident, they still have a duty to see to their employees' welfare following the accident. It happened on their company premises, after all. This is where workers compensation insurance comes into play.

Workers compensation coverage will pay supplementary income while employees cannot work. It can help them pay medical bills and even day to day costs, which would ordinarily be paid by their regular paycheck. Thus, they won't face financial hardships simply because they can't work due to an injury.

Common Workers Compensation Risks In Your Office

Often, businesses must provide workers compensation insurance to employees by law. So, you'll likely have to get a policy when you plan to open a retail business.

You might ask, however, what injuries will qualify for workers compensation? Here are just a few:

  • Slip-and-fall risks: Your employees might slip, fall and hurt themselves, even when simply walking around the space.
  • Repetitive motion injury risks: Employees might work on computers, consistently typing on a keypad. They might have to do heavy lifting all day. Over time, this could lead to deteriorating joints and other internal damage.
  • Driving injuries: If employees drive a car as part of their duties, they might get hurt in accidents.
  • Workplace violence: Someone might get hurt by another person, even when they are trying to do their jobs.
  • Fires: Burn injuries might result should a fire break out in the store.

Additionally, toxic exposure injuries, and work-related chronic illnesses will also qualify for workers compensation coverage. However, it's important to work with your workers compensation insurer to ensure your benefits comply with all local workers compensation standards and meet your own specifications. You do need this coverage. Don't wait to get it.

Get A Quote

Posted 1:00 PM

Tags: business insurance, workers compensation insurance, ramey insurance agency
Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2023
  • 2022
  • 2021
  • 2020

  • auto insurance(7)
  • homeowners insurance(5)
  • golf cart insurance(4)
  • home insurance(4)
  • boat insurance(3)
  • car insurance(3)
  • business insurance(3)
  • workers compensation insurance(3)
  • flood insurance(3)
  • general liability insurance(2)
  • ramey insurance agency(1)
  • uninsured motorist bodily injury(1)
  • pet insurance(1)
  • uninsured motorist coverage(1)
  • pet owner(1)
  • commercial auto insurance(1)
  • commercial insurance(1)

View Mobile Version
Facebook
Twitter
Google+
LinkedIn
Get Directions
Contact Us Today
Speak to an Agent
Contact Us
Partner Support Local Decal
Resources
Get A Quote
Customer Service
Our Carriers
About Us
Blog
Contact Us
Contact us 4120 Woodmere Park Blvd. Ste 6
Venice, FL 34293

Ph: (941) 497-2468
Fx: (941) 493-5775
E: info@rameyinc.com
© Copyright 2021. All rights reserved. Powered by Insurance Website Builder.