Workers’ compensation insurance protects a business by covering lost wages and medical expenses when an employee is injured or becomes ill on the job.
Without workers’ compensation insurance, companies may face substantial expenses if an employee gets hurt and files a claim. Specific fields present inherent risks, like working on a construction site; however, no industry is entirely immune to workers’ comp claims.
Common Workers’ Compensation Claims
The following are some of the most common workers’ compensation claims that your business should be aware of:
- Falls: When an employee slips or trips at work, causing a broken bone or other injury.
- Sprains or Strains: Sprains or strains often result from employees getting injured while handling large or heavy objects.
- Burns: Especially prominent in the restaurant industry, burns are a prevalent cause for workers’ comp claims.
- Contusions: Known more commonly as a bruise, severe contusions in the workplace can lead to successful claims.
- Lacerations: In industries where employees work with their hands, it is not uncommon to suffer a laceration.
- Concussions: Often caused by a slip or fall, concussions can put employees out of commission for some time.
- Dog Bites: When working in or around residential areas, dog-related injuries are common reasons workers’ compensation claims arise.
- Struck By an Object: In environments with many moving pieces, workers may face injuries after being struck by an object.
Need a Workers’ Comp Insurance Quote?
If your business could potentially face any of the above situations, we’re here to help. Our workers’ compensation insurance policies protect your business from costly claims.
Reach out to Steve Longenecker (303-808-9351 x2) at Mountain Insurance: Longmont for a personalized quote and to discuss your commercial insurance needs.
We give out $25 gift cards for referrals that become our insurance clients.
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