What should a business owner do when an employee falls off a ladder or gets in a car crash while on the job?

Name: Painting Business Owners: What to Do When an Accident Occurs. #WorkersComp #ProfitablePainter
Uploaded: 2025-01-24T14:15:01+00:00
Duration: 51 s
Channel: Daniel Honan
Description: In this brief Q&A, a painting business owner asks what actions to take when an employee suffers a workplace accident, such as falling from a ladder or…

Daniel HonanFounder, Profitable Painter CPA PLLC · I help painting contractors increase profits & cash flow while reducing taxes♦ Bookkeeping ♦ Tax

Painting Business Owners: What to Do When an Accident Occurs. #WorkersComp #ProfitablePainter

24 Jan 2025 · 1 min

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0:51

In this brief Q&A, a painting business owner asks what actions to take when an employee suffers a workplace accident, such as falling from a ladder or being involved in a car crash. The expert advises that the owner should promptly report the incident to their workers’ compensation insurance carrier and thoroughly document all details, even if the employee declines medical treatment. Early reporting puts the claim on the carrier’s radar, allowing them to manage the claim from the outset and conduct any necessary investigations, thereby protecting the business and ensuring proper handling of potential liability.

Questions this video answers

Report the claim to the insurance carrier as soon as possible and document as many details as possible, even if the employee says they don’t need medical treatment. Early reporting gets the claim on the carrier’s radar, allowing them to manage the claim and conduct any necessary investigations.

Chapters

What should a business owner do when they have someone actually fall off a ladder or get in a car crash while they're on the job?
Important things are to report that claim as soon as possible and to document as many details as possible. So reporting it to your insurance carrier as soon as possible, even if the employee says, I'm fine, I don't need to go to the doctor, I don't think I need medical treatment. It's important to report that claim to your carrier. If the employee doesn't go to the doctor and doesn't get any medical treatment, then that claim doesn't count against you. That doesn't go into any sort of calculation. Reporting it gets it on the radar of the insurance carrier. They're the experts. They know how to manage claims. So getting it on their radar early really helps them get a handle on managing the claim from the get-go. If it's a claim that maybe you are a little skeptical about, then the insurance carrier can do an investigation. They're always going to do an investigation. So getting them involved is very important.