Property and Casualty
The Top 10 Causes of the Most Serious Workplace Injuries
2 minute read
Each year, the insurer Liberty Mutual documents the top 10 causes of the most serious workplace injuries — injuries that cause an employee to miss five or more days of work.
According to the 2019 Liberty Mutual Workplace Safety index, the 10 most costly causes of workplace injuries and illnesses are:
|Injury Case ||Cost (billions) ||Percentage |
|Overexertion involving outside sources ||$13.11 ||23.65% |
|Falls on same level ||$10.38 ||18.72% |
|Struck by object or equipment ||$5.22 ||9.42% |
|Falls to lower level ||$4.98 ||8.99% |
|Other exertions or bodily reactions ||$3.69 ||6.65% |
|Roadway incidents involving motorized vehicle ||$2.70 ||4.88% |
|Slip or trip without falling ||$2.18 ||3.93% |
|Caught in or compressed by equipment or objects ||$1.93 ||3.48% |
|Repetitive motions involving micro tasks ||$1.59 ||2.87% |
|Struck against object or equipment ||$1.15 ||2.07% |
|Cost of the top 10 most disabling workplace injuries ||$46.93 ||84.66% |
|Total cost of the most disabling workplace injuries ||$55.43 ||100% |
The injuries are ranked by their direct cost to employers, which includes medical and lost-wage payments. The report also identifies the top causes of serious workplace injuries by key industries. Eight industries account for a high majority of all workplace injuries: manufacturing, health care, construction, professional services, retail, wholesale, transportation and warehousing, and leisure and hospitality.
The good news is, all of these risks can be addressed through work design, system controls, technology, training, and strategic risk management. Partner this with the aid from your insurance carrier and your local NFP Risk Consultants to help achieve the best results for your business.
Ranking Cause of Loss
| || ||1 ||2 ||3 ||4 ||5 |
|All Industries ||Overexertion, outside sources ||Falls, same level ||Struck by object or equipment ||Falls, to lower level ||Other exertions or bodily reactions |
|Construction ||Falls, to lower level ||Struck by object or equipment ||Overexertion, outside sources ||Falls, same level ||Slip or trip without a fall |
|Professional Services ||Falls, same level ||Overexertion, outside sources ||Falls, to lower level ||Roadway incidents ||Struck by object or equipment |
|Manufacturing ||Overexertion, outside sources ||Falls, same level ||Struck by object or equipment ||Caught in, compressed by equipment ||Repetitive motions, micro tasks |
|Health Care ||Overexertion, outside sources ||Falls, same level ||Intentional injury by person ||Roadway incidents ||Other exertions or bodily reactions |
|Retail ||Overexertion, outside sources ||Falls, same level ||Struck by object or equipment ||Other exertions or bodily reactions ||Falls, to lower level |
|Transport & Warehousing ||Overexertion, outside sources ||Falls, same level ||Roadway incidents ||Other exertions or bodily reactions ||Falls, to lower level |
|Wholesale ||Overexertion, outside sources ||Struck by object or equipment ||Falls, to lower level ||Falls, same level ||Other exertions or bodily reactions |
|Leisure & Hospitality ||Falls, same level ||Overexertion, outside sources ||Struck by objects or equipment ||Struck against object or equipment ||Other exertions or bodily reactions |
The annual Liberty Mutual Workplace Safety Index is based on information from Liberty Mutual, U.S. Bureau of Labor Statistics and the National Academy of Social Insurance. The 2019 index is based on non-fatal 2016 injury data, with more than five days away from work. To allow for cost development, every index has been based on claims data three years prior to publication.“Workplace Safety: The Top 10 Causes of Disabling Injuries at Work,” Liberty Mutual Insurance, 2019.
Summer Vacations in Mexico
1 minute read
As June heats up, Mexico will receive millions of tourists from the USA this summer. Families across the United States preparing to visit surfer's paradise in Mazatlán, swim with whale sharks in Los Cabos, or zip line over the movie set of Predator in Puerto Vallarta. Millions of tourists will flock south of the border to enjoy a getaway from the monotony of life or visit family members for the first time since Christmas.
Start Planning Now
When talking with your friends and family about their plans for summer make sure they are properly covered with Mexico Tourist Auto Insurance from NFP Cross Border Insurance, so they can truly relax this summer. Not only will they be thankful to be properly covered from high-quality Mexican carriers if the worst happens, but it takes only a few minutes to issue.
NFP insureds will be among those traveling south of the border and you will need to be covered. We believe NFP Cross Border Insurance is the best insurance program out there, covering everything from cars, RVs, motorcycles, watercraft, and ATVs.
In-Country Rental Considerations
Due to Mexican regulations and laws, we’re unable to insure rental vehicles registered in Mexico. If you fly to Mexico and plan to rent a vehicle from car rental agency there, you only have two options for insurance.
- Check with your rental car company to inquire about any physical damage coverage that extends to Mexico.
- Purchase minimum liability insurance from the rental agency. Although the daily rate to rent a vehicle tends to be inexpensive, the insurance coverage generally is the most expensive part of any rental in Mexico.
Until Mexico law changes, we cannot help in this instance, as we are only authorized by the government of Mexico to insure "foreign plated vehicles."
Quote/Issue Mexico Tourist Auto Policy
Quote/Issue Mexico In-Water Watercraft Liability Policy
Quote/Issue Mexico Home Owners Policy