Common Workers’ Compensation Claims and How to Prevent Them

As an employer, you are likely aware of the importance of workers’ compensation insurance. These policies ensure employees can access the care and resources needed to recover from work-related injuries and illnesses. Furthermore, many organizations are legally required to carry coverage. Still, while a workers’ compensation insurance policy is a necessary investment, preventing workplace ailments in the first place is the best way to keep your staff healthy and minimize premiums.

What Are Some Common Workers’ Compensation Claims?

The risks and perils relevant to your workplace may vary significantly depending on your sector, location and other circumstances. However, many ailments may transcend industry lines regarding their need to be addressed. Be mindful of the following potential work-related injuries and illnesses:

• Sprains

• Strains

• Burns

• Fractures

• Contusions

• Respiratory issues

• Joint, muscle and nerve problems (e.g., tendonitis and carpal tunnel syndrome)

How to Reduce Workers’ Compensation Claims

As an employer, preventing work-related ailments should be a top priority, but even the most diligent and responsible companies may be unable to prevent all incidents. Still, implementing appropriate processes and safety measures can at least limit the severity of on-the-job injuries and illnesses, potentially reducing total workers’ compensation costs. Consider the following strategies:

• Educate employees thoroughly about workplace safety. Conduct regular refresher courses and new training materials regarding changing methods or new equipment.

• Keep the workplace clean, such as by ensuring all wet surfaces and clutter are addressed promptly to limit slips, trips and falls.

• Establish a culture that encourages employees to report any unsafe conditions or hazards without fear of retaliation of being ignored.

• Prioritize appropriate personal protective equipment (e.g., gloves, goggles and nonslip footwear) and ensure employees are trained to use them.

We’re Here to Help

Contact Hunkins & Eaton Insurance Agency today to learn more about workers’ compensation coverage or to get a free quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.