Extreme weather doesn’t just affect our daily routines—it has a measurable impact on workplace safety. A study by the National Council on Compensation Insurance (NCCI) found that workers’ compensation claims rise significantly on days with extreme heat or cold. For businesses in industries like construction, transportation, or warehousing across Delaware, New Jersey, Pennsylvania, and Maryland, understanding this relationship is critical to managing risks and reducing claims.
1. Key Findings from the NCCI Study
- Increased Claims on Hot and Cold Days: Claims rise 10% on very hot or cold days compared to moderate temperatures.
- Sector-Specific Risks: Outdoor industries, like construction, see the highest increases in claims during heatwaves. In colder months, transportation and warehousing face elevated risks due to slip-and-fall incidents and vehicle accidents.
- Weather Variations:
- Wet days with freezing temperatures (25–40°F) are particularly hazardous, leading to 7-10% more injuries than dry days in the same range.
- Since the pandemic, injury rates on cold days have declined slightly, possibly due to increased remote work.
2. Employer Takeaways for Reducing Claims
- Proactive Safety Measures:
- For hot weather, provide hydration stations, cooling breaks, and proper sun protection.
- In colder months, ensure walkways are cleared of snow and ice, and implement vehicle safety checks.
- Adjust Schedules: During extreme conditions, consider adjusting work hours to avoid peak heat or icy conditions.
- Employee Training: Educate workers on recognizing signs of heat exhaustion or hypothermia and encourage reporting unsafe conditions.
- Invest in PPE: Ensure employees have access to appropriate personal protective equipment for all weather conditions, like insulated gloves or breathable clothing.
3. Insurance Considerations
- Review workers’ compensation coverage to ensure it accounts for weather-related risks specific to your industry.
- Collaborate with insurance professionals to develop a tailored risk management plan that includes safety audits and employee training programs.
Extreme weather doesn’t have to mean extreme risks. By implementing practical measures and staying informed, you can keep your employees safe and your workers’ compensation claims in check. For tailored risk management strategies, visit McHugh Insurance Group.