Workers’ compensation insurance provides financial protection to workers. It helps cover any losses experienced as a result of working in a specific location. Many people expect it to cover broken bones and other injuries. However, it also often covers illness.
In some situations, mold exposure can cause significant health risks to workers. This can create a life-threatening or life-changing experiences. Many factors will determine if an individual can file a workers’ compensation claim for mold damage. However, as a business owner, it is important that you take steps to cut this type of exposure.
Mold Is a Real Risk
Mold develops under surfaces, in damp basements, and in attics. It can develop anywhere there is warm temperatures and moisture. Many times, it is hard to see it until it expands. The problem is, it does not take much mold to create toxic situations. Mold that gets into the air vents can travel throughout your location. Your workers can breathe it in, causing them to become ill.
Mold can cause a wide range of health issues. This includes respiratory illness, immune system damage, and, in some cases, life-threatening health emergencies. Mold can even cause problems with brain functionality. It's impact is often worse in individuals who are very young or elderly. Those with compromised immune systems or asthma are also at a higher risk level.
Claims from Employees
If you have an employee claiming he or she is ill from mold exposure, take this claim very seriously. File a workers’ compensation claim for the loss. Your insurer will help you to determine if there is a claim and if a settlement is necessary. The key here is not to deny your employees information about mold exposure.
Preventing Mold Is Important
Any business operating in a building needs to take mold risk seriously. It is possible to prevent it. Keep humidity levels in the building low. If there is a water leak or any type of moisture on walls, ceilings, or the floor, assume mold exists. Have a professional service come in to treat it. This will give you the peace of mind you need that you are not creating a dangerous situation for your employees.
Keep your workers’ compensation insurance up to date. Most policies will cover toxic mold exposure claims if the location creates them. However, check your specific policy or call your agent at 888-296-0345 to make sure. You do not want these claims to occur. For that reason, work hard to prevent any type of exposure from occurring.