What is the most common cause of workers compensation claims

Workers’ compensation claims are a reality for most businesses, regardless of industry. But what exactly causes the majority of these claims?

The answer is clear: overexertion injuries.

🏋️ What Are Overexertion Injuries?

Overexertion happens when a worker pushes their body beyond its limits—lifting, pulling, pushing, or carrying objects improperly or repetitively. These injuries often affect the:

• Back

• Shoulders

• Arms and hands

• Knees

They’re usually not caused by a single accident but build up over time, making them harder to detect early—and more expensive to treat later.

💸 Why They Matter to Business Owners

Overexertion injuries account for a significant portion of workers’ compensation costs. For employers, they lead to:

• Lost productivity

• Increased insurance premiums

• Potential lawsuits if negligence is involved

• Staff shortages during recovery periods

One injury can cost your business thousands—sometimes even more.

🚧 Who’s at Risk?

Overexertion claims are most common in:

• Construction and warehouse workers

• Healthcare professionals

• Retail employees stocking shelves

• Delivery drivers and logistics staff

• Even office workers using poor posture or repetitive movements

The truth is, every workplace has its own risks.

✅ How to Prevent Overexertion Claims

Preventing overexertion is all about smart planning and training:

• Train employees on safe lifting techniques

• Rotate repetitive tasks to avoid fatigue

• Encourage stretching and warm-up routines

• Use lifting aids like dollies or hoists when possible

• Promote open communication about discomfort or early symptoms

Prevention saves time, money, and employee well-being.

🛡️ Insurance That Has Your Back

Even with the best prevention strategies, accidents still happen. That’s why having the right workers’ compensation policy in place is crucial.

At Toby Hansen Agency, we search nearly 100 insurance carriers to find the lowest price with the most coverage—even if your business was rejected by others.

Whether you’re a small business owner or manage a large team, we’ll help protect what matters most.

💬 Get a Free Quote Now

Don’t wait for a claim to hit your bottom line. Get protected today.

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Let us find the right workers’ comp policy for you—fast, easy, and affordable.