How Important is Workers’ Compensation Insurance During Winter?

Winter can be a difficult time for your business and its employees. Colder temperatures, slippery conditions and poor visibility are all often typical during this time of the year, making it necessary for responsible companies to reassess essential loss control measures. One particularly prevalent subject that should be revisited is your organization’s need for suitable workers’ compensation insurance, as dangerous conditions could easily make accidents more likely.

What is Workers’ Compensation Insurance?

This type of insurance product is a staple of most businesses’ risk management and loss control measures.

The right workers’ compensation coverage can make all the difference as your company and employees who may be injured or become ill on the job seek to navigate the aftermath and manage financial implications.

Specifically, workers’ compensation insurance may be critical in assisting with the following losses and expenses:

• Medical bills

• Wage replacement

• Disability benefits

• Vocational rehabilitation

• Death benefits

• Employer legal costs

Why is Coverage Needed During the Winter?

Your company should first understand that workers’ compensation insurance is likely required regardless of what time of year it may be.

Most states, including California, have strict requirements regarding this type of coverage to ensure employees who are injured or become ill on the job have access to financial resources and assistance during their recovery.

Still, winter could further necessitate this type of coverage, such as by making it necessary to carry additional coverage by increasing policy limits.

Additionally, if you operate a seasonal business with no staff during the rest of the year, you may only be subject to legal mandates during these months. Regardless, it’s critical to be aware of and abide by any applicable requirements.

Specifically, winter could be hazardous as many employees may be subject to additional dangers. Consider the following scenarios:

• Employees who operate vehicles or machinery outdoors could be more likely to experience accidents due to the slippery or foggy conditions of winter.

• Indoor workers are also not immune to winter-related perils, as moisture tracked inside could lead to wet surfaces and an increased risk of slip-and-fall accidents.

• Staff who work outdoors may also be exposed to colder temperatures, potentially leading to health issues.

We’re Here to Help

Contact Compass of California Insurance Services today to learn more about workers’ compensation coverage or to compare personalized quotes.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.