Five Tips for Preventing Struck by Object Liability Claims

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If you’re familiar with your business insurance plan, you’ve probably examined its professional liability coverage to great extent. Between employee slip-and-fall injuries, construction site injuries, fleet accidents and more, there are a lot of situations which can result in financial trouble.

Many policyholders don’t give a certain workplace disaster factor enough attention, however: The Struck by Object claim.

Identifying the Struck by Object Claim

To better secure your business insurance policy’s worth—as well as your business’s security—you should learn how to protect customers, employees, contractors and yourself from Struck by Object cases. To do so, however, you’ll need to understand what they are.

Struck by Object is an injury category listed within the Occupational Injury and Illness Classification System (OIICS) by the Bureau of Labor Statistics. This system determines liability claims when injuries happen at a place of work. Struck by Object occurs when an object strikes and injures an employee, worker or customer. If it’s the other way around—and the individual strikes the object and experiences an injury—this isn’t the case.

Struck by Object claims occur often. Between rolling, sliding and falling objects, a workplace can become a hazard. Because the Struck by Object claim has a wide classification, it’s important to safeguard your business against it. Check out the following tips.

Tip One: Secure Building Sites and Warehouses

Building sites and warehouses are high-risk environments. Because the items in these areas aren’t stationary, they’re more likely to move—and injure—individuals. As such, your business needs to maintain strict safety procedures.

Tip Two: Regulate Item Storage Spaces

Struck by Object claims can occur in offices and retail storefronts, too. For this reason, it’s important to regulate where your employees stow objects—heavy or not. Don’t stow packed stationary, books or computer equipment on high shelves, as a single misstep can cause them to fall and strike somebody.

Tip Three: Uphold Your Duty of Care

As an employer, you have a duty of care to your employees. This means you should create, and follow, your business’s health and safety guidelines to protect your employees from environmental dangers. As part of your duty of care, use suitable safety training procedures.

Tip Four: Enforce Protective Clothing

Your employees should wear hard hats, work gloves and protective clothing if they’re working in dangerous environments. Protective clothing policies can drastically reduce workplace injury claims. If an object falls, slides or rolls into a worker—protective gear might make the difference between a simple mistake and a severe injury.

Tip Five: Maintain Fleet Safety

If your business has a vehicle fleet, make sure you maintain every vehicle. It’s also a good idea to enforce fleet safety protocols to keep your drivers safe. Struck by Object claims are still possible if a victim is in a vehicle—or even if they’re struck by one.

In any event, practice preventative safety. The best way to protect yourself from a Struck by Object claim is to reduce the likelihood of it in the first place. Before selecting your business insurance policy’s liability coverage, focus on your workplace’s safety—your employees, and customers, will thank you.

FAQ’s About Five Tips for Preventing Struck by Object Liability Claims

What are common causes of struck-by-object liability claims?

Common causes include falling objects, improper storage of materials, and inadequate safety protocols.

How can employers prevent struck-by-object incidents in the workplace?

Employers can prevent incidents by implementing proper training, providing personal protective equipment, and maintaining a clutter-free work environment.

What are the legal implications of struck-by-object liability claims?

Legal implications may include financial penalties, lawsuits, and potential damage to a company’s reputation.

What role does employee training play in preventing struck-by-object incidents?

Proper training can help employees identify hazards, use equipment safely, and follow established safety procedures.

How can construction sites minimize the risk of struck-by-object incidents?

Construction sites can minimize risk by securing tools and materials, establishing exclusion zones, and using barriers to protect workers.

What are some best practices for preventing struck-by-object incidents in warehouses?

Best practices include regular safety inspections, proper stacking of materials, and clear signage for hazardous areas.

What should employees do if they witness a potential struck-by-object hazard?

Employees should report the hazard to their supervisor, remove themselves from the area, and take necessary precautions to prevent injury.

How can companies improve their struck-by-object incident reporting and investigation processes?

Companies can improve processes by encouraging open communication, conducting thorough investigations, and implementing corrective actions.

What are the financial costs associated with struck-by-object liability claims?

Financial costs may include medical expenses, lost productivity, and potential increases in insurance premiums.

How can small businesses effectively address struck-by-object safety concerns with limited resources?

Small businesses can address safety concerns by prioritizing hazard identification, seeking affordable safety solutions, and leveraging industry resources for guidance.

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