Employee Benefits

About Us

Find an Agent

Injury at Work

Updated 03:15 PM EST, Wed March 6, 2019

Looking for Coverage?

The Hartford makes it easy to get a business insurance quote online.
Start Quote

What to Do If an Employee Is Injured at Work

If one of your employees suffers a work-related injury or illness, The Hartford’s workers’ compensation insurance can provide them with medical benefits and help cover lost wages. With workers’ comp insurance, your employees could also have access to experienced, caring professionals at every step of their recovery.
If your business has employees, workers’ compensation insurance is likely required. Workers’ comp insurance requirements vary from state to state. But even if you operate your business in a state that doesn’t require workers’ compensation insurance, it’s a good idea to consider it. Without it, you may be financially responsible for your employees’ injuries. And if you can’t cover the costs out of pocket, it could be devastating for your business.
If your employee is injured at work, don’t panic. Here’s what you should do:
  • Act fast. If they need immediate medical assistance, don’t hesitate to call 911 or the ambulance to take them to the hospital.
  • Follow all Occupational Safety and Health Administration (OSHA) recommendations. OSHA requires employers to notify the agency when an employee is severely injured while on the job. Employee fatalities have to be reported within eight hours. Hospitalizations, amputation, or eye loss have to be reported within 24 hours. To make a report of an employee injury or fatality to OSHA, call your nearest OSHA office or the 24-hour hotline at 800-321-6742. You can also report an incident online.
  • Review your emergency plan. Follow the steps outlined in your emergency plan for employee injuries. If you don’t have one, consider creating one. It should detail the steps taken for different emergencies, including accidents and fires.
  • Get employees to a safe place after an injury. Move employees in the area to somewhere safe. This can reduce the risk of additional employees getting injured.
  • Review the situation. Determine how severe your employee’s injury is. Examine what caused your employee’s injury.
  • Get information, evidence and photos. Document your employee’s injuries with photos. Ask if they’re OK. If they tell you they’re fine, you should note the injury or potential injury in case of a future workers’ comp claim. You can also speak with any other employees that may have witnessed the accident.
  • Maintain open, honest communication. While going through the workers’ compensation claim process, be transparent with both your employee and the insurance agency.
If an accident at the workplace results in an employee injury, the proper steps should be followed. Call the emergency services if it’s necessary, document your employee’s injuries, report the injury to OSHA, and continue communicating with your employee and the insurance agency.

What to Do If You Are Injured at Work

It’s not uncommon for employees to get hurt on the job. It doesn’t matter what industry you work in. Whether you’re a contractor, plumber, or even a barber, anyone can get hurt or sick from a work-related cause in any job.
If you’re an employee that is injured or sick at work, you should immediately notify your supervisor. Notifying your supervisor starts the workers’ compensation process. Consider notifying your supervisor through writing so there is a record. When your supervisor learns about your injury, they’ll begin documenting and gathering information.
It’s important to note that each state has a statute of limitations for filing workers’ compensation claims. The sooner you file your injury report, the better. If you wait too long, you could lose your workers’ compensation benefits.
There are common workplace accidents that can cause employee accidents. These include:
  • Slips and falls. These types of accidents can be caused by an employee slipping on ice outside of the office and injuring themselves. Or it could include slipping and falling while carrying a heavy box.
  • Lifting a heavy box. Improper lifting technique or repetitively lifting heavy boxes can lead to employee injuries.
  • Car accidents. Common work-related injuries also result from an employee being involved in a car accident while conducting business.
Although these are some of the more common ways employees get injured, there are other ways for injuries to occur. Injuries and workplace accidents vary from industry to industry.
For example, an employee in the construction industry may experience different workplace accidents or injuries than someone working as an accountant.
Most states require employers to carry workers’ compensation insurance if they have employees. But there may be exemptions for employees in certain industries. This includes:
  • Domestic workers
  • Agricultural workers
  • Seasonal workers

How The Hartford Helps When an Employee Is Hurt on the Job

Workers’ compensation insurance is just one way The Hartford helps employees and employers at work.
With workers’ comp insurance, The Hartford can help pay for injured employees’ medical expenses. Workers’ compensation insurance can also help replace an injured employee’s lost income from having to take time off from work.
Get a quote today online to learn more about how The Hartford can help you and your employees. Our team of insurance specialists are here to help you. And if an employee is injured, we’ll help you through the claims process. We’ve got your back. Our goal is to get your employee recovered and back to work quickly.

Certain coverages vary by state and may not be available to all businesses. All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Financial Services Group, Inc. In TX, this insurance is written by Sentinel Insurance Company, Ltd., Hartford Casualty Insurance Company, Hartford Lloyd’s Insurance Company, Property and Casualty Insurance Company of Hartford, Hartford Underwriters Insurance Company, Twin City Fire Insurance Company, Hartford Accident and Indemnity Company and Hartford Fire Insurance Company. In CA by Sentinel Insurance Company, Ltd. (CA license # 8701) and its property and casualty insurance company affiliates, One Hartford Plaza, Hartford, CT 06155.
The Hartford® is The Hartford Financial Services Group, Inc. and its property and casualty subsidiaries, including issuing company, Hartford Fire Insurance Company. Its headquarters is in Hartford, CT.