10 Common Workplace Accident Claims
It is said that knowledge is power, and when it comes to your liability insurance policies, knowing your areas of risk and exposure is critical. For the small business, the team at U.S. Risk advises that coverage be carried for general liability, commercial property, worker’s compensation, commercial liability, and government required benefit policies. Depending on the nature of the business, it is also recommended that you purchase an occupational accident insurance policy. Not every policy covers every incident or loss, and OAI coverage is specifically for companies that work with independent contractors. These are not considered covered employees under most standard insurance plans, so the OAI can fill the gap.
Most Filed Claims
Even with the best precautions and safety plans, accidents can happen and people can get injured. The top ten accident claims generally filed as workplace occurrences include:
- Slips and falls
- Muscle strains
- Being hit by a falling object
- Repetitive movement and strain injury
- Collisions and crashes
- Lacerations and cuts
- Inhaling toxic fumes or chemical contact
- Exposure to loud noise
- Bumping into stationary or moving objects
- Altercations with coworkers
Although these may sound strange, they are complaints that companies deal with each year. Before you have an independent contractor or full-time employee bring one these claims to your HR department, make sure your insurance coverage is comprehensive.