Solar Installer Worker’s Compensation Insurance is a type of insurance that provides benefits to employees who are injured or become ill due to their job. This insurance can cover medical expenses, lost wages, and other costs associated with an injury or illness. It is important to note that Worker’s Compensation Insurance is not health insurance but can provide coverage for medical expenses related to a work-related injury or illness.
What Does Solar Installer Workers’ Compensation Cover?
Solar Installer workers compensation face many occupational hazards each time they head to work. Even if you properly train your workers, someone can still get hurt on the job. Injuries range from mild to fatal, and medical treatment is usually necessary.
As a business owner, you are liable if someone gets hurt on the clock. Even if your injured employee has health insurance, the policy probably doesn’t cover work-related injuries.
Medical bills add up quickly, and your employee may need long-term care. Without workers’ compensation, you may end up paying for these expenses out-of-pocket, or you may even find yourself in court.
Workers’ comp insurance covers the costs associated with work-related accidents. The policy begins paying right away for any medical bills or lost wages. Even if your employee needs additional time off work, rehabilitation, or disability, your plan will pay for everything. It also covers funeral expenses and burials.
A workers’ compensation policy protects every employee on your payroll. Coverage extends to all full-time and part-time workers.
However, your insurance policy will not cover independent contractors or self-employed individuals. If you choose to subcontract any work, make sure the person you hire has general liability insurance. Otherwise, they may sue you for damages after sustaining an on-the-job injury.
Workers’ comp isn’t just helpful and the law in many areas. Most states require that businesses carry Solar Installer workers’ compensation insurance. It’s best to check your region’s rules and regulations to ensure you have enough coverage for your employees.
Is Workers’ Comp Expensive for Solar Installers?
Insurance companies are in the business of making money, so it should come as no surprise that workers’ comp is costly. Many small businesses put off buying coverage because they want to save money.
However, this is never a smart move. It may be cheaper now, but you’re only one accident away from bankruptcy. After all, no one can see into the future, and you never know when someone will hurt themselves at work.
The cost of compensation insurance depends on many factors, including your industry and your company’s size. Before you settle on a policy, make sure to get a few quotes. The right insurer will work hard to find an affordable plan that meets the needs of your business.
At Coastal Work Comp Brokers, we’ve helped thousands of companies get great coverage that fits their budget.
Risk Assessment for Solar Panel Installation
More homeowners than ever before want to switch to solar power. Not only will going solar help reduce their energy bills, but it’s also better for the environment.
However, that doesn’t mean installing new panels is an easy task. The job puts workers at risk. Technicians often work multiple stories from the ground, and they rely on ladders or scaffolding to help them reach the roof. All it takes is a gust of wind or slippery shingles to send a worker tumbling back down.
The solar panel installation risks don’t stop there. Sometimes the worksite itself can increase the risk of an on-the-job accident. Contractors should inspect the location and look for signs of damage.
For example, if the existing roof is in poor condition, it could collapse. Take note of any nearby power lines, low-hanging trees, or water sources.
You should have a solar installation safety plan in place for your business.
Here are protocols that can help reduce the risk of injury:
- Teach safe lifting techniques. It takes a minimum of two workers to lift a solar panel safely.
- Use cranes or hoists to position panels on the roof. Never climb a ladder while carrying a solar panel.
- Keep all work areas dry and clear of debris. If you notice any holes in the roof, cover them before beginning the installation.
- Make sure every worker wears a body harness to help stop a potential fall. You can also place a safety net around the perimeter.
- Double-check that all wiring and circuits are “off” before getting to work. Live wires can easily electrocute an unsuspecting worker.
Following these safety tips will help reduce the risk of a work-related injury. However, even the most skilled solar installers may find themselves in trouble at some point. That’s why carrying workers’ compensation insurance is a must.
Call 1800-411-0733 for expert help in finding the best workers’ compensation plan for solar installers.
