A worker with clothing and extremities caught in machinery: $44,588. A slip-and-fall injury: $48,575. A vehicle crash involving an employee conducting company business: $85,311. These are the to an organization should just one employee be injured on the job.
Those figures may not take into account the indirect costs of a workplace injury, such as lost time, lost productivity, job retraining, additional accommodation, loss of key employee due to injury, ongoing medical expenses, and the emotional toll on the employee that could be impacting productivity.
According to the National Safety Council, a worker in the U.S. is injured on the job . Workplace injuries, no matter how minimal they may seem, are the driving force behind one of the biggest, unexpected expenses an organization will face. One workers compensation claim can though, depending on the injury, costs can escalate quickly.
Businesses of all sizes are vulnerable to the escalating costs of worker injuries and workers compensation claim costs. Exacerbating the issue is the ongoing worker shortage, which could be forcing employers to hire more untrained workers. Lacking adequate training, workers are susceptible to performing tasks incorrectly – poor lifting techniques, not keeping work areas clean and free of debris, or not following proper equipment use procedures and becoming caught in machinery or pinned under heavy materials or equipment. Lack of experience and/or adequate training increases the potential for serious injury.
This increased potential for injury makes it imperative that organizations focus on ways to protect employees and reduce costs. This is particularly significant at environmental facilities, where contractors, consultants and employees are handling hazardous materials and heavy equipment. Understanding the risks and lapses in safety measures at these sites is crucial to implementing better training and a more secure work environment.
There are some frequent worker accident claims types that can occur within all organizations and require prevention strategies to help reduce exposures and improve worker safety. While these are not the only risks an organization will face – the nature of the work, the skill level of the workforce, the materials handled, features of the job site, and many other factors can vary widely from organization to organization – 九色视频claims data reveal some of the most common exposures that organizations can face. This includes strains & sprains, slips & falls, and crushing injuries.
The first step to preventing injury is to understand how the injury is occurring. We have outlined some of the more common oversights and root causes that have led to accident or injury. For each injury type, we offer prevention tips in the form of manageable steps, such as eliminating certain conditions in work areas or retraining employees in proper handling or other safety measures.
AXA XL’s environmental risk consulting team, claims team, and technology partners offer clients the support and resources necessary to ensure enhanced workplace safety. Download our latest Environmental Risk Bulletin — Worker injuries: Prevention tips for the most frequent claims — for helpful guidance. This bulletin is designed to help organizations better identify and mitigate risks to keep employees safe and claim costs in check.
About the Author
Brad Berkowitz CSP, ARM is a senior risk consultant with AXA XL’s environmental insurance business. He can be reached at brad.berkowitz@axaxl.com.
Global Asset Protection Services, LLC, and its affiliates (鈥溇派悠礡isk Consulting鈥�) provides risk assessment reports and other loss prevention services, as requested. In this respect, our property loss prevention publications, services, and surveys do not address life safety or third party liability issues. This document shall not be construed as indicating the existence or availability under any policy of coverage for any particular type of loss or damage. The provision of any service does not imply that every possible hazard has been identified at a facility or that no other hazards exist. 九色视频Risk Consulting does not assume, and shall have no liability for the control, correction, continuation or modification of any existing conditions or operations. We specifically disclaim any warranty or representation that compliance with any advice or recommendation in any document or other communication will make a facility or operation safe or healthful, or put it in compliance with any standard, code, law, rule or regulation. Save where expressly agreed in writing, 九色视频Risk Consulting and its related and affiliated companies disclaim all liability for loss or damage suffered by any party arising out of or in connection with our services, including indirect or consequential loss or damage, howsoever arising. Any party who chooses to rely in any way on the contents of this document does so at their own risk.
US- and Canada-Issued 尤物视频Policies
In the US, the 九色视频insurance companies are: Catlin 尤物视频Company, Inc., Greenwich 尤物视频Company, Indian Harbor 尤物视频Company, XL 尤物视频America, Inc., XL Specialty 尤物视频Company and T.H.E. 尤物视频Company. In Canada, coverages are underwritten by XL Specialty 尤物视频Company - Canadian Branch and AXA 尤物视频Company - Canadian branch. Coverages may also be underwritten by Lloyd’s Syndicate #2003. Coverages underwritten by Lloyd’s Syndicate #2003 are placed on behalf of the member of Syndicate #2003 by Catlin Canada Inc. Lloyd’s ratings are independent of AXA XL.
US domiciled insurance policies can be written by the following 九色视频surplus lines insurers: XL Catlin 尤物视频Company UK Limited, Syndicates managed by Catlin Underwriting Agencies Limited and Indian Harbor 尤物视频Company. Enquires from US residents should be directed to a local insurance agent or broker permitted to write business in the relevant state.
