Though employers and employees may strive for an accident-free work zone, incidents still happen that cause injury, illness, or death to team members. These unexpected events that take place during a time of work-related activity or duties completed on the clock can be termed an occupational accident.
Various Conditions and Exposures
Though employers are generally required to carry workers’ compensation insurance as protection from the liabilities of work-related accidents, there are some companies that prefer to purchase occupational accident insurance instead. Those in the trucking industry have a particular interest in this form of coverage. Accidents in the workplace could include the following, though illnesses and diseases may also be considered an occupational incident:
- Muscle strains
- Slips, trips, and falls
- Injuries from falling objects
- Collision or crashes
- Toxic fume inhalation
- Lacerations or cuts
Proactively addressing situations or liabilities in these areas can reduce the likelihood of an accident. However, prevention doesn’t reduce the need for insurance coverage. Carrying workers’ comp or occupational accident insurance is one way to limit the financial impact of a workplace injury. Implementing safety training, conducting safety audits, and creating incentives for employees to take responsibility of workplace safety are all ways to lower the risk of an incident.
In the event of an occupational accident, the right insurance plan will address the medical costs associated with the employee’s healing or rehab, as well as pay for part of any disability benefits that may arise from the incident.