*Brookhurst Insurance Services is licensed to provide worker’s compensation insurance for parcel delivery companies located in California, Arizona, Texas, Georgia, Illinois, Nevada, South Carolina, North Carolina, & Pennsylvania.
People and businesses across the country rely on parcel delivery drivers every day to receive different kinds of packages, from e-commerce purchases to holiday gifts from family and friends. Delivery personnel have to take on the elements, both in person and in their trucks, as they try to ensure that each parcels arrives at the intended destination on time.
While this is a fairly well paying occupation, it is also one that exposes the drivers to all kinds of injuries, from auto collisions and dog bites to slipping and falling. In the unfortunate event of an accident or injury that renders the driver unable to work, would he still be able to keep up with his bills? Things can become particularly difficult if the victim is the only one with a steady income in his household.
Your State May Require Employers to Carry Worker’s Compensation Insurance.
Fortunately, all states require most employers, including those providing parcel delivery services, to carry worker’s compensation insurance. While many employers may not be aware of their liability in such matters, reports suggest that workers’ compensation insurance is essential coverage to protect their assets.
Unique Risks in Parcel Delivery
The duties of a delivery driver are quite diverse. To begin with, personnel are expected to load their own trucks, which puts them at risk of moving heavy packages with insufficient help. This can lead to back, neck, or knee injuries; broken bones; or repetitive stress injuries caused by performing the same motions throughout the workday. They may also be exposed to accidents involving machinery such as forklifts.
Protect Your Employees with Worker’s Compensation Insurance
When one of the delivery personnel gets injured on the job, or sustains a work-related condition, the workers’ compensation insurance will take care of all the costs. Keep in mind that the victim’s health insurance does not cover costs such as medical deductibles, rehabilitation, wages from lost work time, disability, and survivor or death benefits.
Worker’s compensation insurance, on the other hand, helps protect delivery personnel who sustain injuries on the job by compensating them for medical care and lost wages, amongst other potential costs.
When injured at work, parcel delivery personnel should:
- Notify their supervisor of the accident or incident as soon as possible. For accidents that occur en route, you may need to call the police as well.
- Fill out the accident report when the event is still fresh in your mind. Get in touch with the OSHA representative of your employer.
- Seek medical help. The doctor listed on your workers’ compensation policy will treat you free of charge. When you go to another medical doctor, keep all the receipts for reimbursement.
Lastly, injured parties may need to involve a qualified workers’ compensation lawyer to help them get the compensation they deserve.
We Make Insurance Simple.
Our experienced agents would be happy to discuss customized plans & pricing with you in order to get you insured properly. To speak with one of our worker’s compensation insurance agents, please call our office @ 818.465.7860 or simply fill out our online contact form and we will respond promptly.