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What to do if You Are Injured at Work

Though high-risk industries like construction and automotive are more likely to see injured workers, the truth is that work injuries can happen at any job. You might slip and hurt your back on the wet bathroom floor, or perhaps slam your fingers in the door. There are steps to take if you sustain an injury on the job.

Look at Insurance

Chances are that your job has an insurance policy that covers work-related injuries. Go to your human resources agent and speak to them about how you can access these benefits. Companies like David Insurance have special worker’s compensation for situations like these. If your company has no worker’s comp, check into David Insurance and see if they can help.

Tell Your Supervisor

Let your direct supervisor know what has happened as soon as you are able to. There will be paperwork to fill out and documents to sign. Your supervisor might also have advice for you on how best to approach a doctor’s visit and file an insurance claim.

Take Care of Yourself

Do what you can to keep yourself healthy. After visiting the doctor, follow their recommendations closely. Take all medications prescribed to you, ice or heat the injury as needed and rest as much as you can. Not following the doctor’s orders could not only make your injury worse, but it might invalidate your insurance claim. Work injuries are the opposite of fun. Taking the right steps after sustaining one can get you back at work and back on your feet sooner.

Your Establishment Needs Bar Insurance

You are in the hospitality industry, an expert in providing your patrons with a fun place to hang out, get something to eat, and enjoy an adult beverage. Most of the time, you enjoy your employees and your customers. Occasionally, though, you encounter an adult that isn’t behaving like one. For those occurrences, you need the specialized coverage provided by insurance for bars.

Not only do bar owners need specialized insurance, they should also find an insurance agency that understands the unique liabilities that their establishments have. Even with the most careful bartender, a patron may drive away under the influence and blame your business for the accident. Without appropriate insurance, you may be facing a huge jury award for negligence. With the right insurance, not only will you have appropriate coverage, you will have the support you need to protect you from false claims and inappropriate liability.

Perhaps there is an altercation, either between two patrons or between a customer and one of your staff members. Without the proper insurance coverage, you could be on the hook for large monetary damages.

Protect your business and explore insurance for bars. Look for an insurance company that knows the hospitality industry and can explain your options for a variety of industry-specific coverage products.