Workers compensation protects both businesses and employees when workers are injured while performing their jobs, covering medical bills, lost income, and rehabilitation fees while preventing employers from facing liability lawsuits. However, prevention is always the best option when it comes to accidents, so learn more about some of the most common workers compensation claims below.

What Are the Most Common Reasons for Workers Compensation Claims?

1. Car Accidents

Collisions involving eighteen-wheelers account for many occupational injuries and fatalities annually. Additionally, delivery personnel, rideshare drivers, and employees who use a company fleet for work can get into accidents that result in concussions, contusions, and broken bones. Workers compensation will prevent your company from getting sued if an accident occurs in one of your vehicles.

2. Falls

Falls on slippery paths, walkways, and other surfaces are common in almost every industry. Retail workers, security guards, and groundskeepers may be particularly vulnerable to slipping and falling due to liquid spills or mopped floors. As a result, they may experience strains, lacerations, and bruising that require medical care, which your workers compensation policy will cover.

3. Electrical Shock

Electrocution happens most often to electricians, utility workers, crane operators, forestry personnel, and carpenters. This may cause burns, brain injuries, cardiac arrest, nerve problems, and organ damage, but those medical expenses will be covered by workers compensation.

4. Machine Accidents

Accidents occur regularly in industries that use heavy machinery, such as cranes, forklifts, and bulldozers. These fields may include construction, factories, warehouses, farming, and transportation. Workers who operate these machines may become injured, even with proper training and precautions, which is why workers compensation is crucial.

Protect your business and employees with workers compensation from Chanler Agency, Inc. Insurance. They provide workers comp and professional liability insurance plans to businesses throughout the Finger Lake Region of New York. Call (585) 243-5520 to get a quote on monthly premiums, or reach out on their website to get started today.