Needless to say, running a business comes with its own share of challenges. One of the biggest would have to be legal protection. When you own a small business, especially a young one, your business is delicate, and one legal mishap could absolutely risk destroying your business. This is something that no one wants to deal with, and one of the biggest would be injuries.
Yes, injuries that happen in the workplace can be costly because not only do you have to deal with workers comp and the stress of a superpower attorney like Javier Villarreal Law Firm, but you’re trying to properly navigate what it is you need to do, and how it’s supposed to be done. On top of that, there is one major question that the average owner never really thinks about: what do you do when you’re the one who’s injured in your own business? How do you even navigate something like that? Well, here’s everything you need to know!
You’ll Need to Report the Accident
As a business owner, it’s essential to report the incident as soon as possible. Even when it comes to you getting into an accident, this still needs to be documented. So, be sure to document the details of what happened, including the time, location, and circumstances surrounding the injury. This information will be crucial for insurance claims and legal considerations.
Notify Relevant Parties
If your business is literally just you with no employees, then you most likely won’t have to worry too much about this. But if you have a team and departments, then make sure you’re compliant with this! So, you’ll need to inform key parties about the incident, including employees, supervisors, and anyone else who needs to be aware. By all means, there needs to be some clear communication, as this is absolutely vital when it comes to managing the aftermath of an injury, and keeping everyone informed will help create a supportive and organized response.
Even if this is the business that you built from the ground up, you still need to document this incident just as you would for any team member or customer. So, you have to remember that comprehensive documentation is critical for handling the aftermath of an injury.
No matter what, even for you, you still need to keep records of medical reports, witness statements, incident reports, and any communication related to the injury. This isn’t just about legality, but your insurance(s) will need this if you want to make any claims.
Contact Your Insurance ASAP
Before you reach out to your personal health insurance, you’ll first need to reach out to the company insurance you have for your business. As stated earlier, you need documentation, so it’s best to create that first because you’ll be expected to provide all the necessary documentation and cooperate fully with their requirements. While yes, it can feel odd having to escalate your issue so strongly (since you’re the victim of your own business), you absolutely need to do this if you want to get help!