Fall Claims - Costs and Modification Effects

Falls account for almost one quarter of all industrial accidents.

These incidents can be avoided:

1. Use proper handrails.

2. Use proper guardrails.

3. Use properly installed scaffolding and tie-off roofers.

4. Train employees to carry appropriate sized loads to reduce strain and increase visibility.

5. Automate any product movement in the construction process.

6. Level all walking paths inside and out. Avoid stairs and elevation changes wherever possible.

7. Employees must wear appropriate footwear, non-skid.


Fall claims are expensive, about $19,000 on average. For a typical small contractor, their workers compensation modification (mod) will rise about twenty percent per year for three years, from one claim. The insurance company will probably not offer reduced preferred-rate coverage either.

Large contracting companies will suffer a lower percentage increase, but on a greater amount of premium. Still costly.

Doesn't it make more sense to invest a few dollars to work safer than to pay a premium for ignoring the risk?

From the beginning of site work, grade the walkways and parking areas to level them. Stone or pave areas prone to becoming muddy or slick in foul weather. Make sure building entries are clear of debris and any elevation change is visually marked with bright tape or signs.

Storage areas, whether inside or outdoors, need to be kept clean and orderly. Assign space to each contracting crew.

Use proper tie-off techniques for ladders. Secure scaffolding properly and restrict access. Harness and tie-off roofers.

Inspect the interior work to assure proper waste removal. Material such as sheet rock scrap accumulates in minutes causing trip hazards. Sweep up screws and nails quickly. Keep five-gallon buckets against walls rather than the middle of floors.

In other words, consider what might present a trip hazard, how falls can be prevented, and what material might create a slipping problem. Remove the hazards and install guards as needed. You'll receive a reduced premium in return. 

Need insurance for You, Your Family or Your Business?
We can match you to a qualified, local insurance expert!
Further Reading
Long-term care (LTC) insurance ensures people with disabilities, chronic illnesses or other conditions receive the daily help they need. The coverage includes a variety of benefits, including equipment and home modifications. Understand the value of ...
Insurance companies use an Experience Modification Rate (EMR) formula to calculate your workers comp premium, based on the cost of past claims and the probability of future accidents. The higher your EMR, the higher your premium– and the converse. ...
Most people have experienced the pain of too much sun. Not only does overexposure to sun cause your skin to age prematurely and wrinkle, but it can also cause sunburn, sun stroke and skin cancer. Avoid sunburn and all its painful side effects when...
As the fun and sun of summer arrives, so does the threat of many natural disasters. Happenings like earthquakes are always a threat, but floods, wildfires, hurricanes, tornadoes, and such are more apt to strike in the warmer summer months. There are ...
When an employee requests an accommodation, employers should make two separate determinations: (1) Does the employee have a disability; and (2) Does the employee need the requested accommodation because of a limitation (any limitation) associated w...