Winter-Related Workers’ Comp Claims and How to Avoid Them 

Seasoned business owners and managers know that winter brings about unique financial challenges to workplace safety, making a tailored workers’ comp insurance policy all the more important. Snow, ice and freezing temperatures can increase the risk of employee injuries, leading to costly workers’ compensation claims. At Mcllarth Insurance Agency, our team is committed to helping local employers understand these financial risks and take proactive steps to cover their teams and their bottom line.

Common Winter Workplace Hazards

Winter weather introduces several hazards that can impact employees across industries, including:

• Slips, trips and falls on icy walkways, parking lots or entryways
• Strains from shoveling snow or handling heavy winter equipment
• Frostbite or hypothermia for those working outdoors
• Vehicle accidents during work-related travel in hazardous conditions

These incidents are among the most frequent causes of winter injury claims, often resulting in lost workdays and increased insurance costs.

How Winter Hazards Lead to Workers’ Compensation Claims

When an employee is injured due to a winter-related hazard while performing job duties, they may be eligible for workers’ compensation benefits. This coverage can help with medical expenses and lost wages, but frequent claims can also drive up your business insurance premiums. That’s why prevention is key.

By prioritizing winter workplace safety, employers can help prevent injuries, reduce workers’ compensation claims and maintain a safer environment for everyone.

If you’d like guidance on managing winter risks or have questions about your workers’ compensation coverage, our team at Mcllarth Insurance Agency is here to help. Contact us today.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.