Struck by Object

Costliness: #9

$10,000

Frequency: #8

< 5%

What Are "Struck by Object" Injuries?

Employees can be hurt on the job in a variety of ways. One of the most common causes of work injury, though, falls under the category of “struck by object.” A warehouse worker is hit by a forklift, for example. A construction worker drops a sledgehammer on his foot. A bartender trips over a beer keg in a dark storage room and falls face first.

These accidents may or may not be fatal. If not, the resulting injuries can keep an employee away from work for a long time and require prolonged medical treatment. If a “struck by object” injury happens to your employees, the Workers’ Compensation claim can be substantial.

Which Industries Are Most at Risk for "Struck by Object" Injuries?

Construction

Agriculture, forestry, and fishing

Warehouses and distribution

Manufacturing

Small Business Insurance Policies that Can Help Minimize "Struck by Object" Injuries

Theft and burglary don’t have to cut into your bottom line. These small business insurance policies can help your business recover:

  • Commercial Property Insurance: Property Insurance can help compensate your business for supplies, equipment, inventory, and furnishings stolen from your premises.
  • Business Owner’s Policy: A BOP bundles Property Insurance protection with General Liability Insurance at an affordable price for small-business-specific insurance protection.
  • Inland Marine Insurance: Inland Marine can cover certain high-value items, as well as property you own that moves around with you (such as tools you take to and from worksites).
  • Require employees to wear safety glasses when using tools that can cause flying particles.

  • Require everyone to wear hardhats on construction sites, especially if there is work being done above (e.g., on scaffolding).

  • Ensure that all workers are highly visible, e.g., by requiring bright or reflective vests.

  • When using construction vehicles, lower blades and lock moving parts when not in use.

  • Inspect tools and equipment to make sure protective guards and components are in good condition.

  • Only allow those who are essential and actively engaged in a project to enter work areas.

Comply with OSHA safety regulations to avoid hefty fines.

More Details on "Struck by Object" Risks

A number of work-safety resources exist online to help business owners prevent injuries at their workplaces. To start, consider using OSHA’s Compliance Assistance Quick Start tool to research the safety regulations you should be following. Also check out the National Safety Council’s Workplace Safety Training for information on how to make your business safer.

Note that Workers’ Compensation is the only type of small business insurance you can be legally required to carry. If you aren’t about your state requirements, see our guide to Workers’ Compensation Laws by State.