Workers' Compensation Insurance
Managing workplace injury claims effectively
When an employee is injured on the job, quick and proper claims handling protects both the worker and your business. Here's how to navigate the workers' comp claims process.
Workers' compensation claims differ from other insurance because they're no-fault—benefits are paid regardless of who caused the injury. Your role is to report promptly, provide accurate information, and support the employee's return to work.
Step-by-Step Claims Process
Provide immediate medical attention
Ensure the injured employee receives appropriate medical care. For emergencies, call 911. For non-emergencies, direct them to an approved provider if your state allows employer selection.
Tip: Keep a list of approved medical providers posted. Know your state's rules on provider choice.
Document the incident
Complete an incident report with details: what happened, where, when, witnesses, and circumstances. Take photos of the location. This documentation is crucial for claim management.
Tip: Have the injured employee provide a written statement if possible. Note any safety equipment in use.
Report to your insurer
File the claim with your workers' comp carrier. Most states require reporting within 24-72 hours for lost-time injuries. Late reporting can result in penalties.
Tip: Many carriers offer online or phone reporting 24/7. Faster reporting typically means faster claim resolution.
File required state forms
Submit First Report of Injury forms to your state workers' comp board as required. Your insurer often handles this, but confirm. Missing state deadlines can result in fines.
Tip: Keep copies of all state filings. Some states now accept electronic filing.
Support return to work
Work with your insurer's claim adjuster and the employee's doctor on return-to-work plans. Modified duty can help employees return sooner and reduces claim costs.
Tip: Document available light-duty positions. A formal return-to-work program can significantly reduce claim costs.
Tips for a Smooth Claims Process
- Train supervisors on injury reporting procedures before incidents occur
- Never discourage employees from filing claims—this can result in penalties and lawsuits
- Maintain regular communication with injured employees—it improves outcomes and reduces litigation
- Consider a return-to-work program with modified duty options to reduce lost time
- Review claim reserves with your adjuster to understand potential costs
Need help with your workers' compensation insurance?
Our licensed agents can help you understand your coverage options and find the right policy for your business.