Winter/Spring 2026 Issue Article
Construction Workers’ Compensation:
The Real Cost of Injuries
by Kim Marie DiMatteo, CIC, MWCA | Senior Vice President, Cross Insurance
Construction remains one of the most hazardous industries in the United States, and workers’ compensation claims continue to reflect that risk. Construction claims are nearly double the all-industries average in cost, driven by the severity of injuries, extended recovery times, and the physical demands of the work. These claims impact far more than medical expenses and lost wages — they directly affect productivity, insurance premiums, dividends, and a company’s experience modification factor (EMR).
Where the Biggest Losses Occur
The most costly construction workers’ compensation claims are those exceeding $250,000. These high-severity claims often involve life-altering injuries, extended disability periods, and long-term financial consequences. The most common causes of these large losses include:
- Slips, trips, and falls
- Overexertion and repetitive motion
- Being struck by an object
- Motor vehicle accidents
- Caught-in or caught-between hazards
Among these causes, slips, trips, and falls alone account for approximately 48% of incurred construction claim costs, making fall protection, housekeeping, and job site awareness essential components of any effective safety program.
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