Learn about Illinois workers compensation for restaurants including costs and coverage. Workers comp helps IL food service businesses & their employees by covering legal fees for defense of work-related injuries, employee medical expenses and lost wages.
IL Workers Compensation For Restaurants
If you work in food service, you know there are plenty of accidents or mishaps that happen regularly. Anything from a wet floor to hot grease can pose a danger to employees.
Workers compensation exposures come from slips, falls, cuts, puncture wounds, burns, foreign objects in the eye, hearing impairment from noise, heavy and awkward lifting, and interactions with customers. Employees must be trained on the carrying of heavy dishes between the kitchen and the serving areas. Food and beverage handling can result in passing bacteria or viruses, resulting in illness. While smoking is prohibited in bars in many states, others still permit this. In those states, workers can incur occupational disease from the ongoing inhalation of secondhand smoke.
As with all retail businesses, hold-ups are possible, so employees should be trained to respond in a prescribed manner. Cleaning workers can develop respiratory ailments or contact dermatitis from working with chemicals. The employees in many restaurants tend to be minimum wage and turnover may be high. Company incentives to encourage long-term employment are positive signs of management control.
If you are an owner of a IL food business or restaurant, you need to protect yourself from potential liability for things that happen to your employees while they are on the job. Accidents can be crippling to your business if you are made to pay out large sums of money each time.
The best solution is to get Illinois workers compensation for restaurants so that you can run your business with peace of mind.
What Is Workers Compensation Insurance?
Workers compensation insurance is a plan that shields you and your business from claims by employees that have been hurt on the job. If someone that is working for you suffers an injury (or even dies), this policy takes care of the costs associated with that so that you do not have to pay out-of-pocket. It covers lost wages and any medical costs of employees that have been injured on the job. In extreme cases, it can also cover death benefits should a family member chose to sue you.
Without Illinois workers compensation for restaurants coverage, you have to pay all medical fees and legal services upfront. And the failure to do so can lead to large fines and even imprisonment in some states.
What Does Workers Comp For Food Service Businesses Cover?
There are many things that can happen in a IL restaurant, but the most common things you can see covered are events such as slips and falls from wet floors, cuts from knives while cutting food, burns from any surface or liquid, and muscle (or bone) injury from carrying heavy objects.
However, external events can also be covered. Often times the restaurant being robbed can cause damage or injury to employees. Robberies and assaults are usually covered if they happen while you are on the job. Car accidents, if they happen when going to and from a work-related location, can also be covered by workers comp.
Illinois requires workers compensation coverage if you have any non-owner or partner emloyees. See IL workers comp class codes for more information.
Part-time contractors may even need to be covered as well. When talking to your insurance company, make sure to ask about IL specific laws, as they'll surely have information on what you need to do to comply.
Fullest Coverage Or Exclude Owners?
The IL workers comp policy you get should have high enough limits to make sure you don't have to pay directly for your employees injuries. As a restaurant owner you may want to include yourself under your workers comp coverage to give yourself protection if because of a work related injury become sick, hurt or otherwise unable to work. If this is something you are not able to afford, typically owners and partners can always opt out with certain plans. Talk to your insurance agent to make sure you are getting the most relevant coverage for your business.
Having Illinois workers compensation coverage is necessary for your food service business though it's not the only thing you can do to reduce cost. Before your insurance kicks in, you can take steps to stop accidents from happening:
- First off, you can train your employees on how to lift items and avoid injury. Make sure to have proper and safe equipment in your kitchens, so that your chefs and waiters can stay safe while handling food and equipment.
- Proper attire is important for all staff so that they are not getting injured in the chaotic restaurant environment.
- In addition, putting around signs and cleaning up right after major spills can prevent any injuries (and should be done to protect customers as well).
Proper training and education can help cut off many accidents before they occur.
Illinois Workers Compensation For Restaurants - The Bottom Line
We hope this article on Illinois workers compensation for restaurants was informative. Accidents happen every day in restaurants. Working with hot liquids, oil and gas, and lifting heavy boxes can put many employees at risk for injury, which you may have to compensate them for.
Additionally, the time they do not spend at work can cost you (and them) money. See ideas on finding the cheapest workers compensation insurance in Illinois. The best way to protect yourself from having to pay out massive fees each time there is an accident is to make sure you get a workers comp policy for food service in force before anything happens.
Get a downloadable version of this article: Illinois Workers Compensation For Restaurants
Further Reading On Worker's Comp Insurance
- Workers Compensation Insurance
- How To Reduce Workers Compensation Premiums
- How To Understand Your Workers Compensation Experience Modification Factor
- How Much Does Workers Comp Cost In California?
- How Much Does Workers Comp Cost In Texas?
- Texas Workers Compensation Laws For Employers
- Uninsured Subcontractors Workers Compensation
- Workers Comp Insurance Audit
- Workers Compensation Classification Codes
- Workers Compensation Code 8810
- Workers Compensation For Restaurants
IL Workers Compensation For Restaurants Quotes
Request a Workers Compensation For Restaurants Insurance quote in Arlington Heights, Aurora, Bartlett, Belleville, Berwyn, Bloomington, Bolingbrook, Buffalo Grove, Carol Stream, Carpentersville, Champaign, Chicago, Cicero, Crystal Lake, DeKalb, Decatur, Des Plaines, Downers Grove, Elgin, Elmhurst, Evanston, Glenview, Hanover Park, Hoffman Estates, Joliet, Lombard, Moline, Mount Prospect, Naperville, Normal, Oak Lawn, Oak Park, Orland Park, Palatine, Park Ridge, Peoria, Plainfield, Quincy, Rock Island, Rockford, Romeoville, Schaumburg, Skokie, Springfield, Streamwood, Tinley Park, Urbana, Waukegan, Wheaton, Wheeling and all other cities in IL.
Illinois Insurance Rules And Regulations
There are regulations governing insurance in IL that you should be aware of that cover both business and personal insurance. These include the limits associated with certain types of insurance as well as the actual regulations that govern these insurance categories - as well as regulatory agencies. Let's take a close look at the regulations for insurance in Illinois.
Illinois Business Insurance
The first type of insurance that we will discuss is Illinois business insurance. The most common type of business insurance is called General Liability. Liability insurance protects businesses in a number of ways, but the main way that you can think of this type of insurance is as coverage for when someone brings a lawsuit against you for something that happens on your premises. So, for example, if someone were to slip and fall on a freshly-mopped floor within your store, then you might be responsible for their injuries. Liability insurance protects you in instances like these.
However, there are some types of business insurance that are required by law. The first is standard in almost every state, and it is known as Worker's Compensation insurance. In some states, you have to have a certain number of employees before you are required to carry this type of insurance, but in Illinois, if you employ at least one person either full-time or part-time, you have to have Workees comp.
IL Personal Insurance
There are a couple of different types of personal insurance that are regulated by law in Illinois that you need to be concerned with. The first is auto insurance. Any private individual that operates a motor vehicle must carry liability insurance on that vehicle with certain limits reached. The insurance companies are already aware of these limits and the insurance that they offer provides them. The limits are $25,000 per person with a total maximum payout of $50,000 per accident. In addition, there must be another additional $25,000 provided for property damage.
There are also some regulations governing life insurance in Illinois that you should be concerned with. Life insurance is regulated under Title 215 in the State of Illinois Statutes. One regulation is that Illinois residents are given a minimum period of 10 days to evaluate the life insurance. You can cancel at any time during these 10 days and receive a full refund. In addition, insurance companies must provide a guarantee of death and claim payment as well as cash value. Finally, insurance companies must provide a timely payment of claims and keep your medical information private.
If you are looking for state specific Workers Compensation For Restaurants quotes, costs and information: California Workers Compensation For Restaurants, Colorado Workers Compensation For Restaurants, Delaware Workers Compensation For Restaurants, Florida Workers Compensation For Restaurants, Illinois Workers Compensation For Restaurants, Kentucky Workers Compensation For Restaurants, New Jersey Workers Compensation For Restaurants, New York Workers Compensation For Restaurants, Oregon Workers Compensation For Restaurants, Pennsylvania Workers Compensation For Restaurants, Texas Workers Compensation For Restaurants.