Workers’ Comp Risks: Which Construction Injuries Cost The Most?

If you run a construction business, you know the job site is full of hazards. Falls, heavy equipment, tight deadlines, every day brings risk. And when something goes wrong, workers’ comp claims can hit your bottom line hard.

Here’s the reality: even with solid safety rules, accidents happen. That’s why workers’ compensation isn’t just a legal requirement, it’s your safety net. But what if you could cut down on claims before they start? Fewer injuries mean fewer headaches, lower premiums, and a stronger crew.

We’ve broken down the five most common workers’ comp claims in construction and the practical steps you can take to prevent them. These aren’t complicated or expensive fixes. They’re smart moves that protect your people and your profits.

1. Falls from Heights

According to the Bureau of Labor Statistics, falls from heights are the leading cause of death in construction, accounting for roughly 38% of all construction fatalities. Working on ladders, scaffolds, and rooftops is part of the job, but one slip can lead to broken bones, head injuries, or severe back trauma. These accidents don’t just hurt workers; they can derail projects and drain your budget.

How to prevent them:

• Provide fall protection gear like harnesses, self-retracting lifelines, and shock-absorbing lanyards.

• Inspect ladders, scaffolds, and PPE regularly to ensure stability and compliance.

• Train your team to recognize fall hazards and use equipment correctly.

A single fall can cost tens of thousands in claims and downtime, investing in prevention is far cheaper than paying for recovery.

2. Struck by Objects

Construction sites are busy places with tools, materials, and machinery moving constantly. It only takes one dropped wrench or swinging load to cause a serious injury. OSHA reports that “struck-by” hazards account for about 15% of construction-related deaths.

How to prevent them:

• Hard hats aren’t optional, make sure everyone wears one.

• Secure tools with lanyards and store materials properly so they don’t fall.

• Keep pathways clear and set up designated routes for equipment.

Struck-by injuries often lead to head trauma or fractures, simple steps like tool lanyards and clear zones can save lives and lawsuits.

3. Overexertion and Repetitive Motion Injuries

Construction is tough on the body. Heavy lifting, bending, and repetitive tasks can lead to strains, joint pain, and long-term injuries. Studies show that 23% of non-fatal construction injuries are directly related to overexertion.

How to prevent them:

• Use equipment like forklifts, carts, and wheelbarrows to move heavy loads.

• Teach proper lifting techniques.

• Rotate tasks so workers aren’t doing the same motion all day.

• Encourage stretching and warm-up routines before shifts.

These injuries creep up over time, addressing them early keeps your crew healthy and your projects on schedule.

4. Caught-In/Between Accidents

These are some of the scariest accidents on a job site. Getting trapped by machinery, pinned between equipment, or buried in a trench can be fatal. Caught-in/between hazards rank among OSHA’s “Fatal Four,” causing about 5% of construction fatalities.

How to prevent them:

• Train workers to recognize these hazards and stay alert.

• Use machine guards and lockout/tagout procedures during maintenance.

• Follow trench safety rules, never let anyone enter an unprotected trench.

These incidents often result in catastrophic injuries; strong safety protocols can mean the difference between life and death.

5. Slips, Trips, and Falls

Even on the ground, slips and trips are a big problem. Wet surfaces, cluttered work areas, and uneven terrain cause injuries every day. In 2022, construction accounted for almost half of all fatal slip, trip, and fall incidents.

How to prevent them:

• Keep work areas clean and organized.

• Require sturdy, slip-resistant footwear, and consider reimbursing workers for quality boots.

• Make sure lighting is good and warning signs are posted where needed.

Slips and trips may seem minor, but they’re among the most common and costly claims in construction. Good housekeeping pays off.

Construction is risky, but smart safety practices can cut down on accidents and claims. Workers’ compensation is essential; it protects your employees and your business when things go wrong. But the fewer claims you have, the better for everyone.

Ready to protect your team and your bottom line? 

Work Comp Associates, Inc. is here to guide you through workers’ comp compliance and cost-saving strategies. Contact us today for a free quote. 

📞 Contact Information: 

Phone: (561) 500-3592 

Email: Mail@WorkCompAssociates.com 

Hours: Monday–Friday, 9:00 AM – 12:00 Noon & 1:00 PM – 4:45 PM (Eastern Time)