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What is Workers' Compensation for Brewery Workers?
Workers’ Compensation, also known as Workman’s Comp, is business insurance that provides for the medical care for workers who suffer work related injuries or illnesses and also provides for lost wages due that arise when the employee is injured and cannot work.
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Workers compensation coverage helps protect your business in many ways including protection against:
Why do Brewery Business Owners need insurance?
Accidents such as slips, trips, and falls are very common in all kinds of work, especially in the food processing and manufacturing industry where small brewery are part of the category. Working with liquid materials means there is always the danger with the wet floor. But the dangers in the brewery go beyond the “Caution: Slippery When Wet” sign.
In fact, the brewery has a very hazardous workplace surroundings. It is because mainly the workers are dealing with hot liquids, pressurized tanks, pumps and valves, forklifts, and heavy loads like kegs, and more. Some breweries are fortunate to have a small space for manufacturing, but some other small businesses just brew their beers right at their very own kitchen. But whatever the size of your business can be, you need a workers’ comp.
At any moment, one or two of your hired workers can get involved in an accident. For example, while moving the kegs from one place to another using a forklift, the loads blocked the driver’s vision, and he did not notice an employee crossing. The accident caused one employee to be rushed to the hospital because he was badly injured. Another case in point, at home, while boiling the sparged grain, the brewer hit the container by accident and the very hot liquid was splashed on his legs leaving him with a third-degree burn aftermath.
Small and start-up breweries cannot afford to lose money to paying large medical expenses for their injured workers. Having workers’ compensation is your advantage in the brewing industry. The workers’ comp benefits enable your workers to have access to emergency medical care, rehabilitation to help them get back to work safe and fast, and loss of income. At the same time, the workers’ comp policy also lessens your chances of being sued by the employees. As an employer, you are protected as well.
So, what now? Apply for SynchronoSure®’s Brewery Workers’ Compensation for small business today and stop worrying about what can happen tomorrow.