Texas Winter-related Workers’ Comp Claims Prevention

Even for those in the southern parts of the country, winter can present dangerous and risky working conditions. That’s why businesses in the Boerne area must be mindful of potential perils and hazards that could impact their employees and incur significant financial losses. While workers’ comp insurance is often equipped to help manage the monetary implications of such situations, avoiding them altogether is ideal.

Reducing the Risk of Winter Workers’ Comp Claims

Although Boerne and much of Texas are not often subject to particularly severe winter weather, occasional snow, freezing rain and colder temperatures could still couple with reduced daylight to present inherent workplace dangers.

Consider the following real-life scenarios related to winter conditions and how to prevent them, as well as subsequent workers’ compensation insurance claims:

• Vehicle accidents—If your business uses trucks, vans, cars or other automobiles, winter can be the most dangerous time of the year. Reduced visibility and slippery roads can make things difficult for drivers and subsequent accidents could lead to workers’ compensation claims. Additionally, lower temperatures could affect vehicle systems and increase accident risk.

• Slips and falls—Slips, trips and falls are among the most common workplace accidents across the United States, regardless of industry. These incidents may become particularly prevalent during wet and inclement weather conditions, as both outside areas and indoor walkways may become slippery. Place water-resistant mats in areas that may become wet, mark such areas prominently and have employees wear nonslip footwear.

• Cold stress illnesses—Although frigid temperatures are relatively rare in southern Texas, such conditions are still possible, potentially leading to cold stress illnesses like frostbite. Hypothermia may also set in when workers have become wet due to rain or sweat. Monitor forecasts closely and ensure employees who will be working in cold conditions take regular breaks and are dressed appropriately.

We’re Here to Help

Contact Diamond Insurance Agency today to learn more about workers’ compensation coverage and ensure you and your employees are protected by an ideal policy.

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.