Unfortunately, industrial accidents are quite common. They can be caused by equipment problems, inattention, accidents or negligence. The legislation obliges to buy compulsory insurance of employees and thereby avoid conflicts in the event of injury or death of one of the employees. Insurance payments will help the entrepreneur not to spend the company's budget on compensation for harm, at the same time, the injured employee will not conflict with the former management, since the required amount will be paid to him.
What do payments include in the event of an insured event?
Insurance is paid only if the employee is injured through no fault of his own. The amount of insurance is calculated according to certain insurance rates, and the amount of payments is also influenced by the size of the salary and the actual length of service of the employee at the given enterprise, the severity of the injuries received, as well as the number of dependents. In addition, the injured party has the right to compensation for moral damage, this is especially true for deaths when the relatives of the deceased apply for insurance.
Is it profitable for the head of the company to take out insurance?
It is also beneficial for the employer to take out compulsory insurance, since insured events allow you to relieve material responsibility from your shoulders, as well as fulfill your social duty, thereby avoiding checks by the control authorities. In addition, new qualified specialists are more willing to go to the service of an employer who has a responsible approach to insurance issues, this is also how the personnel issue is resolved.
How is employee insurance issued?
In order to issue compulsory insurance for employees , you need to contact the insurance company and, together with managers, fill out the necessary documents and give them to each employee for signature. Of course, insurance is not provided free of charge. Throughout the service of an employee, it will be necessary to make regular contributions, the amount of which is also calculated individually for each employee. Insurance allows you to look into the future without fear and be sure that in the event of an accident or traumatic situation, loved ones will not be left without financial support.
