Potential Workplace Hazards
Hazards & Exposures
Certain industries encounter serious hazards more frequently than others, and the increased possibility of injury increases the risks associated with these companies. As a result, premiums for these industries tend to be more costly. Consider the probability of injury while operating heavy machinery as opposed to office equipment. While the heavy equipment company may have excellent safety policies (which lower premiums), one serious accident could cause major bodily injury and financial devastation.
- Falls from Heights
- Vehicles
- Health Hazards
Industries that work from heights, such as roofing, tree trimming, or utility companies, may consider purchasing additional coverage as these companies have greater risks than other industries.
Companies that use automobiles, heavy machinery, trailers or other mobile equipment frequently have an increased risk of having or causing a vehicle accident.
Businesses that work with, manufacture, or distribute chemicals or pollutants are at greater risk of suit due to the potentially catastrophic, and possibly unpredictable, nature of an accident. Industries that encounter these risks could meet their maximum liability coverage with one serious accident. Purchasing additional policies, paying for additional coverage or choosing to pay a higher deductible might make the difference between continued operation or financial collapse.
Health hazards also include:
- Abrasive Blasting
- Aerosols
- Antineoplastic Agents
- Asphalt Fumes
- Bicycle Saddles and Reproductive Health
- Carbonless Copy Paper
- Cold Stress
- Diesel Exhaust in Mining
- Electric and Magnetic Fields (EMF)
- Electrical Accidents in Mining
- Fires, Explosions and Explosives in Mining
- Hazardous Drug Exposures in Healthcare
- Heat Stress
- Insects and Scorpions
- Noise in Mining
- Poisonous Plants
- Respirable Dust in Mining
- Rock Falls in Mining
- Take Home Toxins
- Ultraviolet Radiation
- Venomous Snakes and Spiders
