Construction Workers Compensation – Costs and Benefits

Construction Workers Compensation – Costs and Benefits

If you are a construction company, you should seriously consider getting construction workers compensation coverage. This coverage is designed to help employers deal with injuries at the worksite. If you are not already covered, learn about the costs and benefits. Also, learn about the claims process and make sure you follow all reporting deadlines. Failure to comply with these rules can have disastrous effects on the financial stability of your construction company.


A recent NIOSH report shows that construction workers compensation costs are more than $10 billion per year. This number includes direct medical expenses, lost wages, and losses to household production. The most common injury claim categories in the construction industry were falls, slips, and trips. These injuries accounted for almost a third of claims, accounting for $21.6 billion of the total. The highest cost of compensation was incurred when a construction worker was injured during transportation, with an average cost of $20,540 per claim.

In 2013, the most common types of construction workers compensation claims were burns, head injuries, and falls. These three categories each cost around $78,000. The other top-three claims included fractures, dislocations, and other trauma. Burns accounted for about $43,779 per claim. Injury to a person’s chest or organs was the third most expensive type of claim.

Costs per claim vary depending on the industry. Construction workers tend to have higher workers compensation costs than desk workers. In 2015, the average cost per claim was $3,130 for construction workers under the age of 21, but $17,680 for those older than 61. These costs are increasing as the construction workforce ages.

One way to reduce workers’ compensation costs is to create a safe work environment. This can be achieved by implementing safety programs and following safety guidelines. This way, injured workers can return to their normal duties sooner and reduce the overall cost of construction workers compensation. This also helps minimize the cost of claims, resulting in lower premiums.

While the workers’ compensation fund pays for the medical expenses of injured employees, the fund may not cover the costs of a lawsuit if the employer is not adequately insured. In such cases, private insurers will step in to fill the coverage gap. Additionally, the physical nature of construction work and the hazards of essential equipment make construction professionals very high risk workers. In addition to paying high medical costs, a construction worker’s injury can result in a costly insurance claim.

The average cost of construction workers compensation is higher than for other industry categories. The industry has 14 classifications that have the highest average costs. The highest cost of worker’s compensation is in the construction industry, followed by manufacturing. The average cost of workers’ compensation in construction is about $600 per hundred-thousand dollars per year. Fortunately, the rate of inflation is decreasing, and this will result in lower rates in the future.


The construction industry is a large, important industry, and as such, workers in this industry are often exposed to hazardous conditions. In addition, the nature of their jobs often involves long hours, awkward postures, heavy lifting, and harsh weather. As a result, construction employers are often predisposed to thinking about the health and safety of their workers. This is because construction employers must consider their overall record when it comes to worker safety, as it directly affects their insurance costs, legal compliance, and ability to attract new work. In addition, the construction industry is facing a labor shortage, and this can lead to a higher incidence of worker injuries.

Injuries to construction workers are often life-changing and permanent. Even minor accidents can result in catastrophic injuries, leaving a worker unable to return to work and earn an income. Sometimes, these accidents result in death, and workers’ compensation death benefits are a way to help surviving family members recover from this devastating loss. These benefits can help with medical bills, funeral expenses, and other unexpected expenses.

Workers’ compensation insurance is a necessity in the construction industry. Without it, the industry would face a plethora of legal problems. Moreover, it protects the reputation of the company. If a lawsuit is filed against a construction company, it often makes the news, which puts the company in a bad light. Reputation damage is very hard to repair, and future work opportunities will be few.

The construction industry is one of the most dangerous professions. It requires operating large machines and heavy tools in high places, and workers face an increased risk of injury or illness. In addition, the number of deaths in the construction industry is higher than in any other industry. The lack of safety training and coordination between contractors is another reason that construction workers are at risk of suffering an injury or death on the job.

Aside from covering medical expenses, workers compensation insurance also pays partial wage replacement. In case a worker becomes injured and unable to work, the insurance will replace two-thirds of their average weekly wage. This way, a worker can keep earning potential while recovering from an injury. But if a worker becomes disabled for a longer period of time, they will be eligible for a monetary award.

If a worker has been injured on the job due to a defective tool, he or she can also sue the manufacturer. In addition to the company, the worker can also sue a landowner for negligence. However, before filing a lawsuit, a construction worker should consult a lawyer.

While workers’ compensation insurance is not compulsory for every construction business, most states require it. The coverage is designed to provide employees peace of mind by covering medical expenses, disability and death related to work accidents, as well as lost wages.

Claims process

The claims process for construction workers compensation involves reporting a construction injury and documenting the details of the incident. An injured worker should contact his or her supervisors to report any potential injuries. The employer must also begin an investigation into the accident. It is important to obtain statements from witnesses and surveillance footage. Additionally, the company must document the time the injury occurred.

A construction injury can be life-altering. If a worker is permanently disabled, he or she may never be able to return to work or earn an income. Tragically, some accidents result in fatalities. The surviving family members of these workers may be eligible for workers’ compensation death benefits. These benefits can replace the worker’s income and cover funeral expenses. They can also help the family with unexpected out-of-pocket expenses.

An injured worker may have a case for compensation if the injury was the result of a faulty tool or a safety hazard caused by a company. A worker can also file a claim against a company if he or she believes his or her employer ignored the warnings. This process is not always simple and may require the skill and experience of an experienced attorney.

The first step in the workers compensation claims process is reporting the accident to the employer. After reporting the accident, the injured worker should see a physician for a comprehensive checkup. A physician is a vital part of the claims process, as the physician’s job is to provide quality medical care and assist the injured worker with the process.

During the claims process, employers and employees must follow steps to ensure the best outcome for the injured party. The right workers compensation company can simplify the claims process for employers and employees by providing a transparent and affordable service. In addition to offering an affordable monthly pricing plan, Cerity also offers no hidden fees and a clear claims process.

If you have been injured on the job, you may be entitled to medical treatment and partial wage replacement. In addition, if your injuries are severe enough to prevent you from working, you may be entitled to survivor benefits. Survivor benefits may include funeral expenses and indemnity payments equaling two-thirds of your wages.

If you’ve been injured on the job, you can pursue compensation from the general contractor, subcontractor who is responsible for your injury. In addition to the employer, you may be able to sue the land/project owner or other third parties responsible for your injury.

Construction workers compensation claims are commonplace. This type of claim can also be fraudulent. This type of claim can put the construction company on the defensive, and a dedicated attorney can fight for you.

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