Preheader

 

Home Page Facebook Twitter LinkedIn YouTube Blog RSS Feed Header

Auto Insurance Homeowners Insurance Business Insurance Life and Health Insurance Post Header Line

We don’t think of small amounts of water as particularly threatening. However, in the right situations, even puddles might prove dangerous. What if you slip in one at work and fall? Qualifying injuries might qualify you for workers’ compensation coverage. How do water risks fall into this coverage? What canimage of a safety first sign you do to prevent water-borne threats in the business?

Why Water Poses a Workers’ Compensation Risk

Workers’ comp helps employees who have suffered injuries or illnesses during their duties. They can get money to aid them in their recovery and supplement lost income.

If an injury comes about because of standing water or water damage, then the affected party often has recourse. Workers' comp claims from water risks might include slip-and-falls and mold exposure.

Why do Slip and Fall Risks Exist?

Anywhere water puddles, there’s a fall risk. Even a small puddle could cause someone to slip. The resulting injuries might range from a bruised shin to a severe head injury. Standing water and fall risks might originate from:

  • Leaking pipes and ceiling leaks
  • Spills from coffee pots, sinks or water fountains
  • Wet floors following cleaning
  • Puddles in entryways or on sidewalks on rainy days

In most of these cases, if a fall occurs, you can qualify for a workers’ compensation claim. For example, if you slip while in the bathroom, you’ll often have protection. Nevertheless, not all falls will equal a claim. If you fall while out of the office to eat lunch, you might not be able to file.

Mold Risks and Coverage?

Anytime you have standing water, you have a mold risk. If mold develops, it might cause breathing problems and other extensive injuries.

Let's look at an example. Mold might grow undiscovered behind a business’s walls. Over the years, you might become ill because of this exposure. As a result, you might be able to file a successful workers’ compensation claim.

Nevertheless, mold is a tricky subject. It’s sometimes hard to pinpoint if your particular illness came from the mold in your workplace. Even so, if you can prove this fact, then your employer’s workers’ comp policy could cover you.

Employers have an obligation to provide a safe workplace and prevent mold growth. If you are in charge of this, consider a few different precautions. These might include:

  • Keeping humidity and temperature low and dry
  • Having regular mold tests as needed.
  • Looking out for any leaks, including hidden leaks. Have these fixed immediately.
  • Cleaning up any standing water immediately. Use cleaning supplies that will combat mold risks.

If you have questions about slip-and-fall or mold coverage, contact your workers’ comp insurer. Ask what your policy will cover, and how they cover it. In the meantime, do what you can to prevent workplace accidents.

Also Read: Expanding Your Employee Benefits Package

Share |


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


View Mobile Version
HAPPY 4th of JULY!

Citizens Insurance
Grange Insurance
Hagerty
Hastings Mutual
Michigan Insurance Company
Philadelphia Insurance Companies
Get A Quote
 
       

Home   About Us   Contact   Blog   Partners   Privacy Policy


Lighthouse Group Main Office in Grand Rapids, MI
Mailing Address | P.O. Box 530009, Livonia, MI 48153

Phone: 734.421.9900 | Toll Free: 800.220.5582 | Fax: 734.421.9911

Also serving these Detroit area communities in Michigan: Livonia, Farmington Hills, Ann Arbor, Southfield, Plymouth, Canton, Westland, Northville, Novi, Dearborn, South Lyon & Walled Lake