Navigating Workers' Comp Claims: What Employers Need to Know

Managing a workers' compensation claim correctly protects your people and your business. This guide outlines the essential steps, timelines, and common pitfalls—tailored to trucking and contracting employers.

1) Immediate Actions After an Injury§

• Ensure medical care first
• Document incident details (time, location, witnesses)
• Preserve evidence (photos, equipment condition)

2) Report the Claim Promptly§

• Notify your carrier within required timelines
• Provide accurate payroll/class codes
• Confirm the claim number and adjuster contact

3) Keep Communication Tight§

• Maintain a single point-of-contact
• Track all status updates and return-to-work plans
• Coordinate with supervisors and HR

4) Return-to-Work Programs§

• Offer light-duty assignments where possible
• Reduce indemnity costs and claim duration

5) Avoid Common Pitfalls§

• Late reporting
• Misclassification of employees/1099s
• Missing OSHA logs and safety documentation

Key Takeaway§

Tight reporting, strong documentation, and proactive return-to-work can reduce claim costs and friction.