Workplace hazards exist in many industries, from offices and retail spaces to construction sites and warehouses. Even with safety procedures in place, injuries can still occur during day-to-day operations. At Gerhart, Hartman & Ritner, we’re here to help you understand common workplace injuries and how workers’ compensation insurance can come in handy.
Common Workplace Injuries 
Some workplace injuries occur more frequently than others. Slips, trips and falls are among the most common, often caused by wet floors or cluttered walkways. These incidents can lead to sprains, fractures or other injuries that may require medical attention.
Repetitive motion injuries are also common, particularly in roles that involve typing, lifting or performing the same task repeatedly. Over time, these movements can contribute to conditions affecting muscles, joints or tendons.
In more physically demanding environments, injuries may result from lifting heavy objects, operating machinery or working at height. These situations can lead to strains or impact-related injuries. Even in office settings, improper ergonomics may contribute to discomfort or injury over time.
How Workers’ Compensation Insurance May Apply
Workers’ compensation insurance is designed to address work-related injuries or illnesses. When an on-the-job injury occurs, this type of coverage may help with medical expenses related to the injury. In some cases, it may also account for a portion of lost wages if an employee is unable to work while recovering.
Workers’ compensation coverage typically applies regardless of who is at fault for an accident, though eligibility and benefits depend on state regulations and policy terms. Coverage details can vary, making it important to understand how a specific policy is structured.
Staying Informed About Workplace Coverage
Workplace hazards can differ based on industry, job duties and work environment. Reviewing common injury scenarios and understanding how workers’ compensation insurance functions can help businesses stay prepared and informed.
If you’d like to review your workers’ compensation coverage or have questions about how it works, contact our office today to discuss your policy and explore your options.
This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.