Insurer Provides Timely Campground Advice
Editor's Note: This advisory was provided courtesy of Lucas Hartford, president of Evergreen Insurance.
The Fourth of July weekend is upon us and hopefully there will be a lot of people camping! With 35 years of providing insurance, the staff of Evergreen knows that the Fourth of July weekend is the weekend in which campgrounds, RV parks and resorts across the United States have the most incidents and claims of any weekend in the year.
Hopefully everything goes smoothly at your business for the holiday weekend, but if something should happen here is what you need to know if someone gets injured:
It's OK to Be Compassionate
One difficult area with any incident is the balance between compassion to the injured person and accepting responsibility. It is absolutely OK, and recommended, that you do show compassion toward anyone hurt at your business whether you believe you are at fault or not. We are all human and to see another person injured should invoke feelings of compassion and sympathy – and as the business owner or manager you should convey these feelings to the person who is injured at your premises to let them know you do in fact care.
It is OK to care about them and that is very different from assuming responsibility or making financial obligations to them. Showing compassion does not make you any more liable for the incident but assuming responsibility or making financial obligations may make you much more liable – and for some people can jeopardize your insurance coverage.
Do's and Don'ts
Here are things you would not want to say to someone injured at your campground or RV park:
Some things that are OK to say might include:
If someone seeks medical treatment and later in the day comes back to their site, it's perfectly fine to go see them to check up on them. If the person wants to know how they will be remunerated, then give them the name of your insurance company and the phone number of your insurance company. Tell the camper that you will be reporting it to the insurance company who will be contacting them soon, but if they want, you can give them the number of the company as well.
Caring is good – admitting fault is not good until a complete investigation is able to be done.
If you have an employee that is injured, you should make sure to contact your Worker's Compensation insurance company. For injured employees, depending upon the state your business is in, you may also be required to notify the state's Department of Labor within a certain period of time of the injury. And that period of time can often be as short as 24 hours.
We suggest Evergreen clients make sure they have watched the video "How to Report a Claim" that is available exclusively to Evergreen clients. In addition you should have a few incident report forms available which are available from Evergreen. If you need either of these items, just call Evergreen and ask for them.
Evergreen also has on-line claims reporting available if you want to do it online at www.evergreenusa.com/forms/online-claim-report.
In addition if you have a serious injury or loss and need to speak to someone outside of normal business hours (Mon-Fri 8 a.m.-5 p.m. EST) you can call the same number, (800) 343-7900, and you will be directed to our 24/7 claims service person who can help you out anytime day or night.
Wishing everyone a safe, busy and prosperous Fourth of July weekend with many happy campers.