Workers' compensation protects your employees from workplace risks. It ensures that an accident resulting in an injury does not cause them to lose out on their pay. But how likely is it that one of your employees will get hurt on the job?
Some jobs are inherently dangerous. For example, employees who work with heavy machinery, like construction or factory workers, face injury risks every day. Other jobs that require staff to constantly be moving, like restaurant jobs, also come with significant risks.
That being said, do all employees face a risk of getting hurt? In some environments, accident risks are low. However, as a small business owner, it is still imperative that you invest in workers' compensation.
In Papua New Guinea, businesses are required by law to invest in a workers' compensation plan for their staff. Not complying with this law can result in a fine of K500 for a first offense.
Avoiding legal ramifications is not the only reason that you need to invest in workers' compensation, however, No matter how safe you think your working conditions are, all workers face risks while on the job.
What kinds of risks do employees face?
If your company operates out of an office space, your workers may face less risk than people working around a lot of machinery or movement.
Office spaces typically contain desks and computers, with potentially a break room or a kitchen. This type of environment is not far off from a home: it's comfortable and fairly safe.
However, hazards exist everywhere. In an office with electronics, there are likely cords and other ground obstructions to consider. If one of your staff members trips over an object, they could potentially break or sprain something.
If someone hurts themselves at work, your company is expected to pay for their medical bills. You are also expected to compensate them for the time that they are unable to work, which varies depending on the injury.
If the accident results in a sprained wrist or broken hand, that person will be unable to type, which could render them incapable of doing their job.
Additionally, head injuries can prevent employees from being able to do their work. If a staff member reaches for a binder from a top shelf, something could fall and hit their head, giving them a concussion. Recovering from a head injury typically requires little to no screen time, which would prevent someone who works on a computer from doing their job.
If an office contains stairs or workers are required to retrieve materials with ladders or step stools, it only takes one fall for someone to get badly hurt.
Your employees even face risk if your company doesn't have an office space at all. Remote workers sometimes have to travel for their jobs whether they are visiting clients, gathering supplies or attending meetings.
Getting into a car or pedestrian accident while fulfilling a duty for one's job also is covered by workers' compensation. Employees do not necessarily need to be on company property to file a claim they just need to be on company time.
Company environments do not have to contain dangerous equipment to involve risks. Covering all risks, big and small, is essential for your workers and your business.
How Trans Pacific can help
Trans Pacific understands that all businesses come with different hazards. Whether your employees work in an environment with a low or high probability for injury, protecting them is a top priority.
Contact us today to learn more about workers' compensation plans.