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Look into this |
| 1. |
Federal and common law requires that an employer (a) provide
employees with a safe place to work (b) hire competent fellow employees (c)
provide safe tools and (d) warn employees of an existing danger.
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| 2. |
If an employer fails to provide the above the employer is liable
for damage suits brought by an employee and possible fines or prosecution.
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| 3. |
State law determines the level or type of benefits payable under
workers' compensation policies.
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| 4. |
Not all employees are covered by workers' compensation laws. The
exceptions are determined by state law and therefore vary from state to state.
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| 5. |
In nearly all states you are now legally required to cover your
workers under workers' compensation.
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| 6. |
You can save money on workers' compensation insurance by seeing
that your employees are properly classified.
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| 7. |
Rates for workers' compensation insurance vary from 0.1 percent of
the payroll for safe occupations to about 25 percent or more of the payroll for
very hazardous occupations.
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| 8. |
Most employers can reduce their workers' compensation premium by
reducing their accident rates below the average. They do this by using safety
and loss-prevention measures.
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