Workers’ compensation injury claims are similar to personal injuries in the fact that the type of injuries will shift with the seasons to some degree. While hot working conditions in the summertime bring about its own set of injuries, wintertime job responsibilities can produce specific types of injuries as well, especially when working outdoors. Of course, in states such as Delaware, winter conditions typically begin sooner and end later than in other parts of the nation. This can also result in a significantly higher number of winter weather type injury claims being filed beginning with the first snowfall of the year.
No matter the time of year, it’s necessary that your Delaware Business Insurance program include Workers’ Compensation coverage to help you and your employees in the event of an injury. This time of year, here are some of the most common injuries to be on the lookout for.
Most people can agree that the type of injury we will see increase in regularity the most during winter is slip-and-fall claims. Many times, workers are not able to choose where they can walk while performing job duties, and working on or around ice is common in certain fields. This is why so many businesses and employers must be diligent about clearing walkways and parking lots of snow and ice on a regular basis.
Frostbite due to overexposure to extreme cold temperatures is a common claim during the winter, for obvious reasons. Technically, the most common claim involving freezing limbs is frostnip (the beginning stage of frostbite). Many employers are eager to letting their employees stay warm as much as possible. However this is not always a choice, and these claims occur every year.
Hypothermia is also common in the winter. Hypothermia claims typically involve the entire body and often occur as a result of malfunctioning heating equipment or a lack of warm space for employees retreat to. The most common area for hypothermia injuries to happen is in remote locations where there is little or no shelter, which could actually bring about a negligence claim as well, depending on the situation.
It is known that the number of back injuries also increases in the winter, as many slipping injuries do not always result in an actual fall. Keep in mind that it is very easy for an employee to twist their back when working in slippery conditions. Injuries that occur primarily due to weather conditions can be very complicated and difficult cases, and it’s important to be prepared.
About IFS Insurance
At IFS Insurance, we specialize in protecting homeowners and renters throughout Delaware, New Jersey, Pennsylvania, and Maryland. Our quality solutions and commitment to excellence has allowed us to serve these states for over 50 years. For more information about our products, we invite you to contact us today at (800) 598-0420