Retail businesses tend to receive a relatively high number of customers. The busier the business is the more chances of work-related injuries. As a retail business owner, you must have workers’ compensation insurance that helps cover work-related injuries and lawsuits.
There are different types of injuries that workers’ compensation insurance covers. This guide discusses the common injuries covered and how they impact an employee’s life. Read on to learn more!
Muscle Sprains And Strains
Muscle strains are one of the most common retail worker injuries. While these injuries don’t sound severe or life-changing, they are a top contributor to time out of work — an average of 33 days out of work occur due to muscle strains and sprains.
Many factors can cause muscle strains and sprains among retail workers. For instance, basic activities like pushing and pulling heavy loads can cause muscle strains. One can also get these injuries from repeating the same movement over and over. This insurance policy covers such common retail worker injuries.
Falls And Slips Are Common Retail Worker Injuries
Falls and slips are ranked among the highest causes of retail worker injuries. These injuries are often caused by conditions like uneven walkways, wet floors, cluttered high-traffic areas, and poorly organized parking lots. These common retail worker injuries can be devastating and often result in costly medical expenses. In a retail work environment, falls from height can also cause significant damage.
Victims of slip and fall accidents suffer from injuries like broken bones and severe bruises that need emergency medical attention. Workers’ compensation insurance helps cover these costs and facilitates the treatment of your injured employee. You don’t have to use your funds as most expenses are covered.
Cuts And Scrapes
Some retail businesses use sharp tools such as knives and cutters. Cut and other related injuries are probable in a workplace with such sharp objects. Retail businesses like barbers and salons use razors and scissors daily. This increases the risk of cuts to the hands and fingers.
Workers comp will pay for medical and related costs if your employee sustains such injuries. Cuts are common retail worker injuries that could make them miss work for several days or weeks. When that happens, workers comp also pays for their lost wages.
Repetitive Strain Injuries
Repetitive strains are also common retail worker injuries. When retail workers perform the same tasks repeatedly, they could suffer from strains in various parts of their bodies.
Common examples of these injuries are tendonitis and tunnel syndrome. When these injuries occur, they might force the employee to stay away from work and recover. They also need extensive medical treatment that could be costly. Workers’ compensation insurance helps pay for these costs. Therefore, getting workers’ comp insurance for your retail business is vital.
Get Workers’ Compensation For Your Business
There is always a chance for retail workers to get injured at work. Regardless of injuries your employees suffer, workers’ compensation insurance helps settle medical expenses and other costs. Therefore, you should get workers’ compensation insurance to save your business from these unpredictable events.