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Injuries & Accidents on the Job

Steps for employees to follow if injured at work

When an accident happens at work, employees and employers need to know their responsibility to report a claim.

Workers’ Compensation coverage protects both the employee and employer from the financial impact of a work-related injury or occupational disease. It pays the injured employee for approved medical, hospital and related services. If temporarily unable to work, the employee can receive partial wage replacement payments.

Most Common Accidents in Restaurants

The National Institute of Occupational Safety and Health reports the most common accidents in restaurants include:

  • Lifting
  • Slip and fall accidents
  • Cuts from sharp utensils and kitchen tools
  • Burn injuries caused by hot foods and drinks, deep fryers, stoves, ovens, and other appliances
  • Exposure to harmful chemicals
  • Excessive noise
  • Motor vehicle accidents while delivering food

What should employees do when an injury occurs?

  1. If it’s a minor injury, get first aid at your workplace immediately. Many falls, cuts, and sprains can become serious injuries if they aren’t treated right away.
  2. As soon as possible, report the injury or exposure and how it happened to a supervisor. Even minor injuries should be reported. Report ALL claims, even if you don’t think they are serious.
  3. If medical attention is required, contact your supervisor and request a health-care provider who is part of the Medical Provider Network (MPN). If your state allows you to choose your medical provider, inform your supervisor who you prefer and advise your doctor your injury is job-related.
  4. Provide the insurance claims representative with requested information to avoid any delays in receiving your workers’ compensation benefits.
  5. Comply with the treatment plan outlined by your physician (e.g. follow-up appointments, physical therapy and home exercise programs.)
  6. Contact your claims representative if you have any questions regarding your claim.
  7. Stay in communication with your supervisor and let them know how you’re doing. Inform them if you’ve been released to light or full duty.

Jim Miller

Jim’s claims career spans over 30 years managing claim teams for various regional and national carriers. Jim has extensive experience in management overseeing claims litigation and multi-line commercial and personal lines claims. During his free time he enjoys spending time with his family and bike trips with his wife on the rails to trails biking trails.