Workers’ Compensation Claims Spike in the Holidays – How to Protect Your Team and Bottom Line

The holiday season is a busy and festive time for many businesses, including those in California. But while these months can be enjoyable and lucrative, they may also bring significant workplace risks for which your insurance and safety measures must account. Given the potentially extensive financial consequences of even a single workplace incident, implementing and maintaining robust risk management policies is crucial.

Why Do Claims Increase During the Holidays?

Although not every business will experience increases in workers’ compensation insurance during this time of year, there may be several reasons to anticipate the potential for such trends. Consider how the following elements of this time of year may impact incidents and subsequent claims:

• Higher demand and longer hours can lead to fatigue and mistakes.
• Temporary or seasonal workers may be less familiar with safety protocols.
• Holiday decorations and special events can create new hazards.
• Employees may be distracted by personal or holiday-related stress.

Workers’ compensation claims can help manage the fallout of many incidents common across various industries, including slips and falls, strains from lifting, repetitive stress injuries and accidents involving equipment or vehicles.

Practical Tips for Holiday Workplace Safety

While workers’ compensation insurance can help your business and employees weather the aftermath of on-the-job accidents, you can also take a proactive approach to limiting incidents and their subsequent severity. Consider the following strategies:

• Review and reinforce safety procedures with all staff, including seasonal hires.
• Make sure walkways are clear of decorations, cords and other tripping hazards.
• Schedule regular breaks to prevent fatigue, especially during peak periods.
• Provide proper training for any new equipment or tasks.
• Encourage open communication. Remind employees to report hazards or concerns promptly.

We’re Here to Help

By taking proactive steps and partnering with an experienced insurance advisor, you can limit the potential consequences of workplace injuries and illnesses and protect your bottom line during the holiday season.

Contact INM Insurance Services, Inc. today to discuss your workers’ compensation needs and discover how we can help your business establish and maintain optimal coverage.

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.