TUESDAY, JANUARY 22, 2013
Though a workers compensation policy for domestic workers in not a compulsory requirement in any business, it is advisable for all businesses to cover all domestic employees in any private premises. For example, if a domestic worker were to suffer an injury while at work in a private residence the worker then has a right to sue the employer for compensation, which can be quite costly.
Furthermore, there are various reasons domestic workers are rendered more vulnerable to work related injuries and their impact, hence the need for a solid workers’ compensation policy. For example, domestic workers often work long hours, leading to the increased likely hood of mistakes due to exhaustion, which can cause grave accidents. Additionally, domestic workers are mostly live-in workers, which means that they work and also live in a private residence.
Any accident or injury that occurs while in the premises is considered a work related injury and should, therefore, be compensated by the employer. Consequently, the probability of a work related injury for live-in domestic workers is higher than usual (as it could occur at any time on work premises).
Another reason that makes domestic workers more likely to suffer work related injuries is the vast number of materials they encounter while at work. Unlike factory workers, or other industrial worker who are exposed to a limited amount of hazards, domestic workers often encounter a vast number of potential hazards.
A private residence contains potential chemical, electrical and biological hazards because the environment is not as tightly controlled as industrial facilities. These hazards could cause long term problems and while the problems may not manifest within the employment period the employer is still liable to paying for any damages.
Also, most domestic workers earn minimum wage and thus an accident, which interferes with their ability to work, has an amplified impact as compared to workers who earn more and hence have more in savings. To avoid this financial hardship after an accident it is advisable that all domestic workers are covered by a workers compensation policy.
Finally, The nature of work done by most domestic workers increases their chances of suffering long term physical injuries. Domestic workers do a lot of manual labor and unlike most industrial workers lack the proper machinery. This could lead to excessive straining of the body which could cause long term problems. Domestic workers in some cases also lack the proper protective clothing which could lead to unnecessary exposure to harmful domestic chemicals such as bleach fumes. For more information on how to buy a workers compensation policy for any of your Oklahoma City Insurance needs, call 405-373-2977 to speak with an ECI Agency agent today.
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