If an employee is injured in your barber shop, workers compensation covers their medical care costs. But, if they simply need minor first aid, the consequences of making a claim on your insurance may be greater than the cost of care. In some states, you, as the owner of the business are allowed to cover first aid costs yourself rather than through your workers compensation insurance. It may be beneficial to do this, as minor injuries may require only minimal, inexpensive first aid. Paying for it yourself can be less hassle, and in the long run, less expensive that making a claim.
If one of your barbers or other staff members is injured in the shop and cannot return to work within three days, they become eligible for temporary disability. Your barber shop workers compensation will cover these types of claims as long as the employee’s inability to work is backed up by a physician. Benefits typically cover around two-thirds of the employee’s wages for up to two years or the maximum set by current workers compensation laws. Certain illnesses or injuries may pay out temporary disability for up to four years.