Workers Comp: Lyme disease and other insect risks for the construction worker

If you work in an office environment, there is a good chance that you will not get a bee bite, snake bite or tick bite in the workplace. On the other hand, the construction workers work outdoors. In addition to the fresh air, the sun, and other benefits, come the full downsides of working in conditions such as tall grass and underdeveloped sites: exposure to nature’s unwanted hazards.

Of course, that includes insect bites. With ticks and Lyme disease at the forefront of the discussion, especially during the spring, summer and fall seasons, we focus in the insurance ranks on the topic related to contractors and construction companies.

Attention all builders and contractors: what happens if your employee is bitten by a tick and gets Lyme disease? Will your employees cover the related damage? The answer to this is: yes, you can.

Lyme disease, if not detected in time, can wreak havoc on the human nervous system. It can also harm the heart, brain, muscles and joints. The dreaded disease is so serious that it has prompted health officials to issue warnings and warnings about the danger. The insurance sector has also conducted extensive research into this.

For those most likely to be affected, such as construction workers, there is worker coverage.

Related coverage benefits both the boss and employees by:

• Pay for doctor, medical and hospital

• Providing temporary disability benefits until permanent illness status is established

• Paying for rehabilitation and related therapy costs

• Payment of the wages of the employee who is no longer able to work due to illness

The insurance industry also guides construction companies to manage the risks of getting a tick or other insect bite by educating them on:

• Tell employees about the possible seriousness of a tick bite and how a tick bite should be treated.

• Teaching employees what clothes to wear, so that ticks cannot easily reach them. This includes wearing long pants and socks.

• Get feedback on workers’ allergic reactions to ticks and other insect bites so that these workers can be assigned to areas where exposure is lowest.

• Having an allergy emergency first aid kit on the job site.

A related discussion with an independent insurance company that is familiar with the risks and knows how to assess the risks of the individual construction company can help you understand the need for related employee coverage even better.

Stay safe and stay informed!