Construction and Workers Compensation: A Complete Guide

Running a construction business can be stressful. Let us take something off your plate and help you navigate the world of work comp for your business!

Construction is one of the most dangerous industries in the U.S. In fact, in 2020, construction employees incurred 174,100 nonfatal injuries and illnesses, according to the U.S. Bureau of Labor Statistics. These injuries resulted in over 74,000 days away from work, according to the National Safety Council.

Common injuries in construction

Some of the most common construction related claims include:

Motor vehicle accidents

The frequent use of vehicles in the construction industry account for more than a quarter of all Missouri Employers Mutual’s construction related claims. These injuries are attributed to operating heavy machinery, distracted and reckless motorists speeding through work zones, and employees driving between work sites.

Slips, trips, and falls

These injuries occur when employees fall from heights such as roofs, scaffolding, ladders, and machinery. Employees may also fall into ditches, holes and trenches or trip over disheveled materials on a job site.

Sprains and strains

The physical nature of construction tasks, lead to tremendous wear and tear and overexertion on the body from lifting and performing repetitive motions.

Heat or cold exposures

Regular exposure to extreme elements puts construction employees at greater risk of heat exhaustion or hypothermia. They are also at risk of burns when working with electrical tools, exposed wires, dangerous chemicals, and other hazardous materials.

Support employees’ mental health

Mental health is a crucial part of workplace safety for any organization. By supporting employees’ emotional wellness, your organization can improve job performance, boost productivity and reduce absenteeism. Learn how to create a culture of care with our collection of mental health resources.

Save on claim costs by putting safety first

Investing time and resources into safety now can provide a big return later. We’re committed to supporting construction businesses in keeping their employees safe. We have unmatched claims expertise, with our staff averaging more than 24 years of claims experience.

Ready to take the next step to prevent injuries? Browse our free resources to avoid the top risks in your industry.