Solar Installer Workers Compensation in Alabama
Even though the solar industry is risky, the solar installer workers’ compensation is not expensive. The right policy will protect the employees to a tremendous extent, and it is vital to have solar installer worker compensation in Alabama.
No employee should set foot on the roof without the perfect insurance coverage. Installing solar roofing panels is a risky job. Accidents are not uncommon here, and many of these accidents lead to the death of workers. Accidental falls, specific slips, and lifting heavy objects are some of the most common reasons workers end up in the emergency room.
Solar energy might save customers money. An unexpected trip to the hospital can also bankrupt the business. The odds of injuring oneself are high, and the treatment expenses are high.
What Does The Worker’s Compensation Cover?
The solar installer workers’ compensation Alabama covers several things, and if you are looking forward to buying it for your employees, you should know what it eventually covers. Solar installer workers face several hazards whenever they have to work. Even if the workers are adequately trained, there are some chances that they will hurt themselves during the installation process. The injuries can be mild or severe, but medical treatment is essential. You are liable if someone gets hurt as a business owner. The policy does not cover any work-related injuries; if you are injured, the employee has health insurance.
Your employees need long-term care and medical bills to add up in no time. You might end up paying for all the expenses out of your pocket if you do not have workers’ compensation. Without solar workers’ compensation, you might even end up in jail.
The worker’s compensation covers all the costs related to the work accidents. The policy starts paying all the medical bills or the lost wages. The plan will include everything like you feel your employee needs additional time off work for rehabilitation or disability. It features funeral expenses and burials also.
This policy will protect all the employees on your payroll, and the coverage is available for both full-time and part-time employees.
The insurance policy does not cover independent contractors or self-employed people. Ensure that the person you hire has general liability insurance if you look forward to subcontracting any employee.
Is Workers Compensation Heavy On Your Pocket For Solar Installers?
Unsurprisingly, workers’ compensation is costly because insurance companies are in the industry to make money. Most small businesses put off buying the coverage as they want to save money. But this is not a wise move as it might be cheaper currently, but you are just one accident away from bankruptcy.
After all, you don’t want that for yourself as you never know who would hit themselves at work. The compensation cost mainly depends on factors like your industry or company size. Ensure that you get some quotes before you settle on any policy. The right insurer will strive hard to find a cost-effective plan.
The Risk Assessment For The Solar Panel Installation
Most homeowners today want to switch to solar power. Using solar power can reduce your energy bills and is also excellent for the environment. But it is not an easy task to install the new solar panels. The job puts the workers at considerable risk.
Technicians generally have to go through different stories from the ground and rely on ladders to reach the roof. It takes slippery shingles to send the employee back down, tumbling. This solar installation risk goes beyond that.
At times the work site can enhance the risk of an on-job accident.
You can reduce the risk by teaching safe lifting techniques to your employees. You can use cranes or hoists to position the panels on the roofs. It would be best never to climb a ladder while carrying the solar panel. All the work areas should be kept dry and clear of debris. Ensure all the workers wear a body harness to help prevent falls.
You can reduce the risk of work-related injury if you follow these safety tips. But even the most skilled solar installers will sometimes be in trouble as also Solar Installer Workers Compensation Alabama.