Workers’ compensation premiums are directly related to losses. Therefore, it pays to know where your losses are occurring, and then take action to reduce the losses. Education is the best prevention when it comes to workers’ compensation loss prevention. Here is a list of the top workers’ compensation losses according to the Occupational Safety and Health Administration (OSHA).
- Trip/slip and falls. These are the top claims for all employers.
- Overexertion. These injuries can come from over-lifting or other injuries relating to overuse of muscles.
- Cuts and punctures. The lack of proper protective clothing is cited as the main reason for cuts.
- Machinery accidents. Make sure employees know how to operate equipment safely.
- Repetitive motion. Repetitive motions, such as using a mouse, typing on a keyboard, and lifting boxes, can cause repetitive injury.
According to Woody Dwyer, second vice president, Workers Compensation, Risk Control, Travelers Insurance Co., “Even seemingly minor injuries, such as strains or sprains, can substantially impact an employee and slow a business’s operations and productivity. The most common injuries we see can often be prevented if the proper safety measures are in place, if safety issues are promptly addressed, and if leaders continuously emphasize a culture of safety with employees.”