It’s an unfortunate fact of life, but there are people out there who are willing to do whatever it takes to take advantage of your business.
From customers to employees, injury fraud happens to businesses of all kinds all across the country.
Here are just a few ways you can protect your business from “slip and fall” fraud:
Types of Personal Injury Fraud
Whether it’s an employee trying to claim workers compensation or a customer trying to sue your business, it’s important to know what kinds of fraud are out there.
There are two main types of personal injury fraud: soft insurance fraud and hard insurance fraud. With soft fraud, an employee or customer exaggerates a minor injury that takes place on your business’s premises.
Hard fraud is much more deliberate on the claimant’s part because he or she looks for ways to “slip and fall” at your business for the main purpose of suing.
In either case, there are ways your business can avoid workplace injury fraud.
Avoiding Fraudulent Injury Claims
As the following article shows, when it comes to your business’s finances, avoiding injury claims is the new and improved way to save money.
Why? Because, whether the injury is fraudulent or not, the claims process takes a lot of time, which ends up costing you money no matter what the outcome is.
To steer clear of any possible fraudulent claims from workers or customers, there are a few things you can do to make your office slip and fall proof:
• Eliminate Hazards – Reduce the chances of someone slipping and falling at your business by eliminating tripping hazards like power cords across the floor, tight walkways, and uneven walking surfaces. Likewise, you should always put hazard signs on display whenever there’s a spill or slick surface in the workplace.
• Inform Employee’s About Fraud Consequences – Letting your staff know that your business has zero tolerance for injury fraud will decrease the chances of workers taking advantage of your business.
• Injury Red Flags – It’s also important to make sure employees know what to look for when a customer fakes an injury. Injury exaggeration and injuries that happen without any witnesses are two red flags that all employees should keep in mind.
What to Do When an Accident Takes Place
Whether you suspect a fraudulent injury claim or not, it’s important to treat every workplace injury seriously. This means calling for medical attention if the individual claims serious injury.
Likewise, having injury report paperwork on hand makes it easier to record exactly what caused the injury and how the claim was handled.
You should also record any witness statements directly after the incident takes place. Injury reports and witness statements will help with your case if a fraudulent injury claim from an employee or customer turns into a lawsuit.
If you’re unsure whether your business is being set up by a fraudulent workplace injury claim, remember the pointers above.