5 Common Types of Workers Compensation Claims

​In any workplace setting, there is always a risk for accidents and injuries. As a business owner, you should do whatever you can to mitigate these risks, like providing adequate training and accident-proofing the workplace. However, there is no way you can make it impossible for your employees to have an accident while at work.

When an employee gets injured at work, they may be entitled to workers’ compensation, which will depend on the severity and the impact of the injury to the worker’s life. If you manage a business which puts a substantial amount of risk on your workers’ safety, you should know the types of claims that they can file:

1. Overexertion
   Overexertion is the most common compensation claim, making up about 25% of the total financial compensation claims that get filed in the US. Overexertion due to lifting objects, pushing objects, carrying objects, and other work activities can cause injuries that vary from mild to severe. To prevent overexertion, workers should be properly educated about the correct protocol when handling heavy objects and equipment.
   
   
2. Falling or slipping
   About 16% of workers’ compensation is given to workers that have fallen on any type of surface. A lot of falling cases occur during inclement weather conditions, where the floors are covered with ice, rain, or snow. Thus, a business can protect their workers from this type of accident by installing non-slip flooring and requiring employees to wear non-slip shoes.
   
   
3. Falling to a lower level
   Falling on the same level is a different claim from falling to a lower level. Nearly 10% of compensation claims result from this type of accident, and the injuries are often more severe due to the impact of falling from a substantial height.
   
   
4. Bodily reactions
   This type of claim can be filed by workers who are injured while they are reaching, climbing, sitting, standing, or bending.
   
   
5. Struck by an object
   Lastly, the fifth most common type of workers' compensation claim is being struck by an object, causing injury to any part of the body. This usually occurs when an object falls from a higher level or from other workers’ hands.

For all business owners, getting the right type of workers comp is a must. In this way, you can protect your business from the compensation claims highlighted above.

At CSIS Insurance Services, Inc., we do our best in making sure that our clients are well-protected with affordable and comprehensive policies. We make sure to go the extra mile to help you with your needs. To learn more about how we can help you, please contact our agency at (888) 501-2747 or Click Here to request a free quote.