5 Accidents That Will Cost Your Business Workers Comp Claims

There are a ton of things that you have to do when you are trying to run a business. One challenge is trying to keep costs down. This includes trying to avoid serious accidents.

To stay profitable, every company must do everything possible to prevent workers’ compensation claims because the cost of on-the-job injuries can be steep. In 2023, employers in private industry had 2.6 million nonfatal on-the-job injuries and illnesses. This huge number of cases has a direct bottom-line impact through increased medical expenses, productivity loss, and administrative costs. With this number of claims, even a minority of denials can translate into more legal and administrative hassles. For example, as of the latest complete data, 7% of workers’ compensation claims are denied in the first round, and that proportion can vary by state but nevertheless represents a large issue.

The expenses of work injuries are staggering and amounted to $167 billion in 2022. All this is comprised of lost wages and reduced productivity worth $50.7 billion, medical treatment worth $37.6 billion, and administration costs worth $54.4 billion. These statistics show the need for businesses to implement solid safety precautions and work procedures to prevent less harm and steer clear of the long-term cost burden of worker’s compensation claims. Prevention of such claims not only assures the health of the employees but also makes the business profitable and sustainable.

Workplace accidents are more common than you may think. Whether you work in an office, a construction site, a restaurant, or a factory, accidents can happen at any given moment. Some injuries are minor, while others may keep you from work for days or even months. When this occurs, you might be able to file a workers’ compensation claim for your medical bills and lost earnings.

If you have been injured in a workplace accident, you might feel overwhelmed and uncertain about what to do next. Knowing the most common types of workplace accidents will help you stay informed and prepared should you ever need to file a claim.

1. Slips, Trips & Falls

Slipping, tripping, or even falling are common workplace injuries. They can occur due to wet floors, uneven surfaces, or loose-fitting carpets. Poor lighting or cluttered walkways can also contribute to falls.

A fall is usually a minor injury but can result in fractured bones, head injuries, or even back problems. If you fall at your workplace, report it and see a physician. Workers’ compensation can cover your medical costs and lost income while you recover.

2. Overexertion & Repetitive Stress Injuries

Overexertion injuries happen when you push too hard while lifting, pulling, or transporting heavy goods. These injuries are common in professions involving physical labor, such as construction, nursing, or warehousing.

Repetitive strain injuries (RSIs) occur when an individual repeatedly performs the same movements, such as typing, using tools, or working on an assembly line. Common RSIs include carpal tunnel syndrome, tendonitis, and back strains.

If you sustain an overexertion injury or RSI while working, you might be entitled to workers’ compensation. Taking breaks, lifting correctly, and adjusting your workstation can help prevent these injuries.

3. Falling Objects

You could be struck by falling objects if you work near high shelves or scaffolding. Even small objects can severely injure your head, neck, or shoulders.

Construction workers, warehouse employees, and retail workers are at greater risk of this type of accident. Wearing a hard hat, securing loose objects, and staying alert can help reduce the risk of injury.

If you are hit by a falling object at work, consult a physician immediately. Take time off work and protect yourself by filing a workers’ compensation claim.

4. Machine-Related Accidents

Factories, manufacturing plants, and construction sites use heavy machinery that can be dangerous if not handled properly. Accidents involving machines can cause severe injuries, including crushed limbs, burns, or amputations.

These accidents can be caused by faulty equipment, inadequate training, or failure to follow safety guidelines. If your job involves working with machines, always prioritize safety, wear appropriate clothing, and report any issues with malfunctioning equipment immediately.

Workers’ compensation can cover medical bills and rehabilitation if you are injured by a machine in the workplace. It may also provide financial assistance if your injury prevents you from returning to work.

5. Exposure to Harmful Substances

Some workplaces expose workers to hazardous chemicals, fumes, or extreme temperatures. Employees in cleaning, manufacturing, and healthcare are more likely to encounter toxic materials.

Exposure to these substances can result in respiratory problems, skin conditions, or chronic illnesses such as cancer. Employers are responsible for providing proper protective gear and ensuring workplace safety regulations are followed.

If you develop an illness or injury due to workplace exposure, seek medical attention and report the issue to your employer. Workers’ compensation may cover ongoing medical care and treatments if needed.

What to Do If You Are Hurt at Work

If you experience any of these common workplace accidents, take action immediately. Here’s what you should do:

• Report the Injury – Notify your manager or employer as soon as possible. Failing to report an injury on time can affect your claim.
• Seek Medical Attention – Even if the injury appears minor, visit a physician. Some injuries worsen over time.
• Document Everything – Keep records of medical visits, expenses, and any communication with your employer about the accident.
• File a Workers’ Compensation Claim – Follow your workplace’s procedure for submitting a benefits claim.
• Consult a Lawyer If Needed – If your claim is denied or delayed, a workers’ compensation lawyer can help you obtain benefits.

Final Thoughts

Workplace accidents can happen to anyone, but understanding the risks and taking precautions can help keep you safe. If you ever suffer an injury at work, take steps to protect your well-being and financial future. Workers’ compensation is available to support you when you need it most.

Following safety regulations can help prevent injuries on the job. However, if an accident does occur, know that you have rights and options to aid in your recovery.