Medical Transportation Workers' Compensation Insurance
Workers Compensation Insurance refers to an insurance policy that protects employees under state laws and provides medical care, death, disability, and rehabilitation benefits for workers who are injured or killed while on the job. An insurance company will agree to pay all compensation and benefits related to the insured employer’s state’s workers’ compensation laws without any regard to liability.
Why Workers' Compensation is Needed
Medical Transportation employees can work in dynamic environments. The type of Medical Transportation drivers include Non‐Emergency Medical Transport Operators, Ambulance Operators, Wheelchair Van Operators or Stretcher Vehicles operators. Though drivers in this line of work typically go through advanced training in driving factors such as fatigue, empathy, or other kinds of distractions can cause even experienced drivers to briefly lose their focus on safe practices, resulting in an accident.
External factors can also put medical transportation drivers at risk. These may include other road users ignoring sirens or bad weather. It is also a legal requirement in most states and can provide coverage to protect companies from expensive lawsuits from injured employees.
Common Injuries Experienced by Medical Transportation Employees
Medical Transportation Employees face numerous exposure that could result in back injuries while assisting a patient or being involved in a vehicular accident as they perform their duties. Other factors that can cause injury include:
Overexertion & body motion injuries – This can lead to torn muscles and ligaments as well as sprains and strains that can be debilitating.
Exposure to harmful substances – Needlesticks can expose workers to bloodborne pathogens including HIV and hepatitis B.
Falls, slips, or trips – these can lead to long‐term brain injuries or crippling spinal injuries.
Motor vehicle incidents – this can cause non‐fatal injuries such as broken bones or head injury but can also lead to death.
Consequences of Not Having Workers Compensation Insurance for Medical Transportation Employees
When an employer has workers’ compensation insurance, there is a tremendous benefit to the employees and the company. If an employee is injured, workers’ comp insurance can protect them from suffering lost wages if they must be away from work in order to recover. It also pays for medical expenses that are generated from the injury, including emergency room care, hospital stay, rehabilitative treatments, and medicines. Legal expenses for an employer if a liability claim arises is a great benefit of workers’ compensation insurance. This may include the cost of legal counsel or court fees if they are necessary.
Benefits of Workers Compensation Insurance
Prevents lawsuits: Workers’ Compensation Laws usually do not allow employees to bring lawsuits against employers for work‐place injuries if the employer provides the necessary workers’ compensation benefits. Workers’ compensation is a significant safety net when it comes to lawsuits.
Financial benefits: By complying with the workers’ compensation insurance requirements, a business avoids having to pay fines and reimbursement when an accident does happen.
Protects employees: Workplace injuries have far‐reaching effects on finances, lost productivity, retraining costs, and more. A safer work environment with fewer injuries is better for everyone— both employee and employer. With fewer injuries comes lower workers’ compensation costs. That saving has become a great incentive for employers across the nation to create safer workplaces for their employees. Safety training and safety programs can help employers save on workers’ comp costs.
Cost of Workers’ Compensation for Medical Transportation Employees
The cost of workers compensation insurance is dependent on several factors your annual payroll, your industry, type of work done by your employees and your claims history. The cost can range from a few cents per $100 of payroll up to even $3 per $100 of payroll.
Though it may seem expensive, workers’ compensation insurance is vital to protecting your medical transportation business.
UnderWrite Insurance Services is a national insurance agency established to help medical transport businesses secure A-rated workers’ compensation insurance. For a free insurance quote, submit an application below or give us a call at 201-580-6806.