Overexertion and falls account for more than $25 billion in workers’ compensation costs in the U.S.
Being hurt by an object or equipment ranks third in workplace injury causes and claims costs in the Liberty Mutual Research Institute for Safety’s 2014 Workplace Safety Index.
In its 15th year, the annual ranking of top 10 causes of serious, nonfatal workplace injuries is based on the company’s workers’ compensation claims data and data from the Bureau of Labor Statistics and the National Academy of Social Insurance.
The research institute examined 2012 claims data for injuries lasting six or more days and ranked the injuries by total workers’ compensation costs.
10 Leading Causes and Direct Costs of Workplace Injuries:
Overexertion $15.1B - 25.3%
Falls on same level $9.19B - 15.4%
Struck by object or equipment $5.3B - 8.9%
Falls to lower level $5.12B - 8.6%
Other exertions or bodily reactions $4.27B - 7.2%
Roadway incidents involving motorized land vehicle $3.18B - 5.3%
Slip or trip without fall $2.17B - 3.6%
Caught in/compressed by equipment or objects $2.1B - 3.5%
The leading cause of injury on the list, overexertion, was typically related to lifting, pushing, pulling, holding, carrying or throwing. Other exertions, which came in at number five, includes injuries due to bending, crawling, reaching, twisting, climbing, stepping, kneeling, sitting, standing or walking.
According to the Occupational Safety and Health Administration, worker deaths in America are down. In 1970, there were on average 38 worker deaths a day and in 2012, the figure was down to 12 deaths a day. OSHA reports workplace fatalities have been reduced by more than 65 percent and occupational injury and illness rates have declined by 67 percent. At the same time, U.S. employment has almost doubled.
With the recent earthquakes that have rolled out of the Irving area, much attention has been brought to the possible need for earthquake insurance.
A standard homeowner's insurance policy does not cover damage caused by an earthquake. Some insurance companies will attach an earthquake coverage rider or endorsement to a homeowner’s policy. Due to the low risk in Texas, the premiums may not cost much, possibly as low as $100 a year for a $200,000 home.
Paschall Insurance Group offers earthquake insurance through several of our insurance carriers. If you are interested in learning more about earthquake insurance or any other insurance coverage, please give our office a call and let one of our friendly team members assist you (817-341-4400).
We’ve all heard the mantra a thousand times: “Speed kills!”
As parents of teenage drivers we know it’s true. Chances are good that your teen driver has heard the phrase a time or two as well. The problem is that your teen may not really believe it’s true—especially when it comes to his or her driving. The Allstate Foundation reported that some 55 percent of teens they surveyed said that they at least occasionally exceed the posted speed limits by more than 10 miles per hour.
The scary thing about this is that according to National Safety Council statistics, for every 10 MPH over 55, the chances of being killed in a crash DOUBLES! What’s scarier still, 40 percent of the surveyed teens claim that they plan to continue exceeding the posted limits in the future.
It’s not just driving too fast that’s the problem, however. A lot of teenage drivers falsely believe they are safe drivers. According to the Allstate survey, close to half of them claimed to be “defensive” drivers. They saw themselves as “safe” drivers. But they also claimed that more than 60 percent of their peers were “aggressive” drivers. This shows a complete “disconnect” between perception and reality.
Unfortunately, there is some misconception among teens as to what makes a driver a “safe” driver. More than 50 percent of teenage drivers surveyed were under the impression that most teenage car crashes came about as a result of drinking and driving. The fact is that fewer than 25 percent of those crashes involve alcohol. Of course that’s still far too many, but it means that 75 percent of teen crashes are due to other driving mistakes.
Teen drivers are involved in over 800,000 crashes per year, resulting in 3,000 lost lives (www.rita.dot.gov). Make sure your teen driver is aware of these statistics. Driving is 90% mental, as proven by the fact that 9 out of 10 car crashes are caused by mental error (www.nhtsa.gov) with the main culprits being speeding, tailgating and an overall lack of focus while driving.
From our offices in Weatherford, Texas, we serve clients anywhere in the State of Texas, though the following areas are geographically closest to us: the counties of Dallas, Tarrant, Denton, Wise, Johnson, Parker and Hood and the cities of Arlington, Bedford, Brock, Burleson, Cleburne, Colleyville, Coppell, Dallas, Decatur, Euless, Fort Worth, Frisco, Granbury, Grapevine, Hurst, Keller, Mansfield, Millsap, Mineral Wells, North Richland Hills, Southlake, Watauga, Weatherford, and White Settlement.