Here's a quick refresher on how to keep your employees covered on the job

As an employer, you have a responsibility to make sure that your employees are covered on the job. That means making sure they have all the tools and training they need for their job duties, as well as providing access to any safety equipment (like hard hats) necessary for them to do their jobs safely. Just like how you would protect yourself from getting hurt working at your company, it's important that your employees are also protected from workplace injuries or accidents.Remember that the employer is responsible for providing a safe working environment and appropriate training and equipment.The law is clear on this point: an employer is responsible for providing a safe working environment and appropriate training, equipment, and other resources to you. If you're injured on the job because your employer failed to provide these things, they may be liable for any resulting damages.You need to make sure that employees are always wearing proper clothes and gear while at work. Clothing should be fit for purpose (for example, fire-resistant clothing if required by your specific workplace). Employees should also always have the right safety footwear available too.Have a plan in place for workplace injuriesYou should always have a plan in place for workplace injuries, whether it's a minor cut or the worst kind of accident. First, you'll need to make sure that you have a first aid kit on hand, as well as someone who can administer it if necessary. Next, make sure everyone knows where to go and what to do if they get hurt?this could be different depending on your industry and job function. If there are specific procedures for reporting injuries (or types of injuries), ensure that everyone is aware of them beforehand, so no one feels confused when something happens. Then contact your insurance broker immediately after any incident so they can help mitigate any liability issues later down the road.To keep everyone covered in the event of an accident, it is important that an injury is reported immediately, and an incident report is completed, so there are no gaps in coverage.To keep your employees covered in the event of an accident, it's important to report injuries immediately and to complete an incident report.

• Report the injury immediately.
• Complete an incident report.

In addition to this, you may also want to consider having a policy in place that allows for workers' compensation insurance coverage if someone is injured or becomes ill on the job. This can help protect your business from lawsuits by allowing employees who are injured while working with you the opportunity to receive medical care without worrying about paying out of pocket for it.Cover your employees with workers compensation insuranceWorkers compensation insurance is designed to provide financial protection for employees who sustain an injury at work. It also provides benefits for dependents of those killed in accidents at work. You may have heard the term "work-related injuries" or "occupational illness?, but these refer to any injury sustained while working.Because unforeseen events and circumstances can always happen, workers compensation insurance is a necessity - even if you run a small business with only one employee. There are legal mandates throughout Australia that require employers have workers compensation, and employers who do not have the correct protection for their employees are subject to sanctions from the government.Learn more about workers compensation and what it covers here.Facts about workers compensation insurance:

• Australian law requires employers to carry workers compensation insurance
• All workers, full-time, part-time, seasonal, or apprentice must have workers compensation
• A written contract shall outline the specifics of the insurance cover and conditions
• Employers must provide every person in their employ a copy of their compensation contract
• Acceptance of a worker?s compensation package voids the employee?s right to take civil action against their employers for negligence or other oversights
• Each Australian state regulates its own scheme that governs workers compensation insurance
• Once a claim is approved, the employee receives payments according to state mandates
• Restoring the ill or injured employee is a primary focus of workers compensation insurance

Employers who break the law can be fined or imprisoned.When your employees are working for you, it is your responsibility to make sure that they are safe. If an accident happens on the job, then you can be held responsible for the injury as well as any legal action that may come from it. If you fail to provide proper safety equipment (such as protective gear) or if an employee makes a mistake in their duties, then this could be grounds for a lawsuit against you and your company.If an employee does get injured on the job and files worker's compensation claims against the company, this can end up costing thousands of dollars in medical bills and lost wages?money that could have been saved had you simply taken care of business properly in the first place.If you do have any questions or concerns, talk to one of our brokersIt?s important to be aware of what your insurance covers, as well as any exclusions in your policy.If you need some extra guidance on how to keep your employees covered on the job, get in touch with one of our friendly brokers today, we'll be happy to assist you or provide a free quote.