Most Common Injuries Covered by Workers’ Compensation

The safety of employees should be a top priority for any organization. 

Despite installing safety measures, accidents still happen, and employees become injured. According to the National Safety Council, in 2022, approximately 4 million workers suffered injuries that required medical attention.

When these accidents occur, employees and employers need a fallback plan that can provide financial support. Workers’ compensation insurance provides benefits to employees who’re injured or fall ill in the line of duty.

Irrespective of the injury type, workers’ compensation insurance helps injured victims receive quality medical care without worrying about the cost. Consider acquiring workers’ compensation insurance from a reputable insurer to protect your workforce and finances.

Here are the common injuries covered by workers’ compensation.

Strain Injury

Sprains and muscle strains are common workplace injuries. Although a strain is not a life-threatening injury, it can result in severe consequences. First, it means reduced productivity for the affected workers.

It can also attract substantial medical expenses and liability claims to the organization. 

Most repetitive jobs cause workers to ignore safety measures leading to strain injuries. Workers should be encouraged to observe preventive measures like avoiding carrying loads close to the body or stretching to increase flexibility.

Traumatic Brain Injury

A concussion is a mild traumatic brain injury caused by a blow or a bump to the head. The common causes of concussion in the workplace include falls, trips, slips, falling objects, or motor vehicle accidents.

People who suffer from a concussion have long-term complications such as headaches, mood swings, insomnia, dizziness, and memory loss. 

Organizations can reduce the risk of concussions using the following measures:

1. Concussion safety training
2. Creating a concussion protocol in the workplace
3. Managing employee fatigue
4. Erect guard rails
5. Ensure employees are physically fit

Burn Injury

Burn injury is damage to the skin or deeper tissues caused by external forces such as chemicals, heat, or radiation. Common causes of burn injuries include steam, hot liquids, radiation exposure from UV lights, and electricity. 

Workers who are highly susceptible to radiation include electricians, mechanics, construction crew, firefighters, and chefs.

Spinal Cord Injury

A spinal cord injury occurs when any part of the spinal cord or nerve sustains damage. Falls and auto accidents are the common causes of spinal cord injuries, with men at higher risk than women.

Unfortunately, victims of spinal injuries suffer long-term complications, including lost bladder control, pressure injuries, weight loss, muscle atrophy, and increased risk of pneumonia.

Lacerations

A laceration is a tearing or cut of the skin that creates an irregular wound. Lacerations occur when workers are exposed to sharp objects or blunt objects such as tools and machinery. 

Organizations can reduce lacerations through regular training, proper handling of sharp tools, and keeping the work area clean and organized, among other safety tips.

Speak to an Experienced Workers’ Compensation Insurance Professional

An injured employee is a potential source of hefty medical expenses or lawsuits that can disrupt your company’s finances. Fortunately, workers’ compensation insurance is an excellent risk management plan to prepare for these unforeseen risks.

At Panorama Insurance, we work with experienced agents who will help you understand your options.

Contact us online or call us at 818-781-6630 to request a quote.