Recognizing the indicators of workplace injuries & fatalities

The following four traits are correlated with higher worksite occurrences of serious injury and fatality (SIF), according to ISN.

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Operating commercial motor vehicles.

39% higher SIF rates.
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Doing work at heights of 6 feet or higher.

43% higher SIF rates.
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Receiving a citation within the past three years.

68% higher SIF rates.
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Working with rigging and material handling equipment.

77% higher SIF rates.
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ISN reported the following characteristics are correlated with lower workplace SIF rates.

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Submitted program for process safety management/contractor responsibilities (PSM) standards.

29% lower SIF rates.

Submitted program for hazard communication standard.

27% lower SIF rates.
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Submitted program for NFPA-70E (electrical safety) standard.

24% lower SIF rates.
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Having a policy on criminal background checks for employees.

23% lower SIF rates.
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Employees work in a PSM facility.

21% lower SIF rates.
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First-year employees, regardless of age or industry experience, accounted for 34% of all claims and nearly 7 million missed workdays, according to a review of claims data cover 2016-2020 conducted by The Travelers Companies, Inc.

“It was just simply — across all industries, across all sectors, across all age demographics — if you are newer in the role, you are at a higher degree of risk,” Rich Ives, Travelers’ vice president of business insurance claim, said at the 2023 RiskWorld conference. “If you think about why that would be: They are in a new surrounding. The workflow and processes might be different. If I’m a driver, I might be taking a different route. I might be operating new equipment.”

In addition to a workforce’s collective time on the job, other workplace safety factors can also indicate if an insured is more likely to have a serious claim.

According to ISN, contractors who implemented a process safety management or hazard communication program experienced a 29% lower rate of serious injury and fatality incidents, further illustrating the value of insights like these and the support that data-driven tools from ISN provide in helping workers return home safe each day.

The above slideshow reviews the signs that a commercial policyholder is at higher risk of experiencing a serious injury or fatality among its workforce, according to ISN. The slideshow also covers the signs of a top-flight worksite safety program. ISN derived the information by reviewing workplace occurrences of serious injuries and fatalities that took place from 2017-2021.


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