Employers: 73.9 percent of workplace injuries and fatalities are tied to five largely preventable causes. These common causes drive a large share of workers' compensation costs and, with focused prevention, many can be avoided.
Overexertion
Overexertion injuries happen when workers lift, carry, push, pull, or hold more than the body can safely manage. These incidents account for about 26.8 percent of workers' compensation costs, totaling billions annually.
To reduce overexertion claims, assign tasks to multiple people when loads are heavy, provide mechanical aids or lifting equipment, and train employees in safe lifting techniques. The upfront cost for equipment and training typically has a strong return on investment through lower claims and premiums.
Fall on Same Level
“Trip and fall” incidents on the same level occur in offices, factories, construction sites, parking lots, and nearly every work environment; they make up roughly 16.9 percent of claim costs.
Prevention is usually straightforward: repair uneven pavement and potholes, maintain good housekeeping indoors, secure cords and rugs, repair worn carpeting, clean spills immediately, and use anti‑slip flooring or warning signs when surfaces are wet.
Bodily Reaction
Bodily reaction injuries stem from bending, reaching, standing, climbing, slips and trips without falling, and prolonged awkward postures; they represent about 11.4 percent of claims.
Address environmental factors by providing ergonomically correct chairs and workstations, keeping work areas tidy, and storing tools properly. Consider employer-sponsored health and wellness initiatives or a dedicated safety program such as Workplace Safety & Wellness: Falls, Cardiac Arrest, Wellness Programs, and Alcohol Risks to support training and healthier habits.
Fall to Lower Level
Falls to a lower level are common in construction and trade work and account for roughly 10 percent of claims. These incidents can result in serious injury or death.
Keep ladders, scaffolds, and access equipment in serviceable condition, inspect and maintain them frequently, and require fall protection where appropriate. Do not allow damaged equipment to be used until repaired.
Struck by Objects
Being struck by falling or moving objects causes about 8 percent of workers' compensation costs. These happen frequently on construction sites but also in warehouses and offices.
Reduce these injuries by securing stacked items, using appropriate storage systems, enforcing personal protective equipment like hard hats and safety glasses on job sites, and training employees never to work under suspended loads. For warehouse and storage operations, consider programs such as Off Course and Storage Program that address storage-related risks.
Part of your workers' compensation premium is driven by how well your company manages these risks. During your annual insurance review, examine claim patterns, take corrective actions, document those actions, and discuss potential rate improvements with your advisor. If you want a quick way to connect an advisor to your situation, you can talk to an agent.
Frequently Asked Questions
What are the top causes of workplace injuries?
Most workplace injuries fall into five categories: overexertion, falls on the same level, bodily reaction, falls to lower levels, and struck-by-object incidents.
How can employers lower workers' compensation costs?
Employers can reduce costs by identifying common hazards, implementing targeted controls (equipment, training, housekeeping), documenting improvements, and reviewing claims regularly with their insurance advisor.
When should I provide personal protective equipment?
Provide PPE whenever hazards cannot be eliminated or fully controlled by other means, and ensure employees are trained on correct use and maintenance.
Are ergonomic improvements worth the investment?
Yes; ergonomic changes and training typically reduce repetitive‑stress and posture‑related injuries and can lower claim frequency and associated costs over time.