Atlanta Commercial Insurance and Workers Compensation Claims

In the Atlanta area, employers must participate in workers’ compensation, a benefits program that was created by the Georgia Workers’ Compensation Act to provide injured workers with medical treatment, weekly income benefits, permanent partial disability benefits, and, in some cases, rehabilitation and death benefits for accidents occurring at work, or during the course of doing work-related business away from their office or job site. Commercial Insurance in Atlanta is one way for them to provide these benefits.

Employers throughout Atlanta need to be aware of Occupational Safety and Health Administration (OSHA) regulations and ensure compliance with their rules and guidelines. For example, when an employee gets hurt on-the-job, or safety violations are reported, OSHA inspectors may levy fines against a company based upon a number of factors. Repeated violations (and willful violations) can result in even larger fines. OSHA penalties were created to act as a deterrent and also prevent the types of risks on the job that can result in accidents and/or injuries.

For many workers employed in the construction field, four of the largest on-the-job risks include:

  • Falls
  • Electrocution
  • Being caught in or between objects, and
  • Being hit by objects

OSHA refers to these four causes of injury as the “fatal four” because they are the primary reasons that the lives of construction workers are lost while performing everyday work tasks. When a worker is fatally injured by any cause while on the job, surviving family members should speak with an Atlanta workers’ compensation lawyer about their options for recovering work injury benefits and wrongful death damages.

Workers’ compensation is, generally speaking, a strict liability system in that injured workers can recover workers’ compensation benefits without showing fault or negligence by their employers. However, injuries and occupational diseases must arise out of, and in the course and scope of employment, in order to receive compensation through the employers Atlanta Commercial Insurance policy.

Because injured workers are not required to prove fault or negligence on the part of their employers, workers’ compensation is, in Georgia (and in most other states), necessary for on-the-job injuries and occupational diseases. If someone other than the employer was responsible for a worker’s injuries, however, the injured worker may have a valid basis for filing a civil lawsuit against the responsible party.