Workers Compensation for Restaurants

You’ve worked in the restaurant business long enough. You’ve seen it all. Cuts from a misplaced knife, grease burns, a tray full of food flying through the air as a server takes a tumble – restaurants are notorious for both minor and major accidents.

Each accident leaves you short-handed at least for a little while, sends employees home or even to the hospital, and costs time and money. Nothing can completely eliminate accidents but you can protect your restaurant from the costs of those accidents. And, with a little extra effort, you may be able to prevent some accidents altogether.

What is Workers Compensation Coverage?

Workers compensation coverage is insurance that protects you, your business, and your employees. In the event that an employee is injured, becomes ill, or even dies while on the job, your workers compensation insurance policy will take care of the costs, so you don’t have to pay out of pocket. The coverage pays for the medical costs and lost wages for an injured employee. It also pays death benefits to the survivors in case of a fatality. You and your business are also covered if an injured employee or a surviving family member decides to sue.

Without workers compensation, you would have to pay out of pocket for all the costs associated with the accident as well as any legal feels or any judgments from a lawsuit. For most businesses, workers compensation is a requirement. Not purchasing it could lead to fines, seizure of your business, and even jail time.

Workers Compensation in Restaurants

Workers compensation is a cost of doing business that, ultimately, saves you hundreds of thousands of dollars over time. You can lower your premiums in one way – preventing the accidents that lead to injury or death.

Common injuries in restaurants include:

  • Slips and falls from spills and wet floors
  • Burns from hot surfaces, materials, and liquids
  • Cuts from improper use or storage of knives
  • Strains from lifting boxes and carrying heavy trays
  • Robbery or assault during a catering job
  • Vehicular accidents while traveling to and from locations for catering jobs

There’s no way to completely eliminate accidents, but there are things that can be done to teach your employees how to avoid them:

  • Regular training of all employees on how to stay safe and avoid accidents
  • Proper equipment for chefs and cooks
  • Correct attire, including slip resistant footwear
  • Safety programs to help employees recognize potential accidents before they happen

You can lower the cost of individual claims, and get your employees back to work sooner, by requiring all employees to follow the same accident reporting procedures and by offering a return-to-work program that gives employees modified duties while they recover.

No matter what you do, injuries will still happen, especially in the fast-paced world of restaurants. With training, preparation, and the right tools, you can help your employees avoid accidents and ultimately lower your workers compensation costs.

Have questions about your current policy? Need a quote for a new one? Contact the team at AmericasWorkersCompensation.com and let us help you and your restaurant today!

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