August 2016
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Don’t Let Claims Ruin Fitness or Fun
Submitted by: Paul Lindsay, EPIC Program Solutions
Especially during summer and fall, employers often encourage
employees to participate in fitness activities or company picnics. But if an
employee is injured at one of these events, your workers’ compensation might
apply if:
- The employer
makes participation mandatory or obligatory.
- The employer
paid for or organized the activity.
- The event
took place on your premises.
- The employer
sponsored the activity, such as paying for equipment or uniforms.
- Only
employees participated.
Employers can avoid liability for
fitness and recreation activities by having employees sign a recreational
waiver before participating. Please contact your employment attorney for more
information.
An on-site weight or exercise
room makes it less expensive and more convenient for employees to exercise.
However, employers must be careful to avoid liability for injuries to employees
and others. To avoid this, we suggest the following guidelines for
employer-sponsored onsite facilities:
- Limit use to employees only — no guests or
family members
- Have employees sign a waiver, saying 1)
that they have no medical conditions that prohibit or would worsen with
exercise, 2) that they agree that use of the center is completely voluntary and
occurs on the employee’s own time.
- Specifically state in the waiver that any
injuries that occur at the center are not compensable by workers’
compensation.
- Post signs on the doors reiterating #3
above.
- Prohibit use of the facility for
rehabilitation.
- Read equipment manufacturers’
recommendations for preventive maintenance and develop a schedule for
inspections and maintenance. Document
all inspections and repairs made.
- If the facility is large enough and the
number of prospective users high enough, consider outsourcing management of the
facility. Have your attorney review your
contract with the facility manager.
For further information, please
contact the PCOC Insurance Program Specialists at EPIC Insurance Brokers, at (877) 860-7378 or
visit www.pcocinsurance.com . |