Top 10 workers compensation insurance in the USA in 2022

Top 10 workers compensation insurance in the USA in 2022


Workers compensation insurance is a form of coverage that companies offer to their employees for injuries or disabilities during employment. The workers' comp system in each state varies. Still, the company's insurance carrier will generally compensate the employee up to certain maximums for medical bills and lost wages after an injury.

Nationwide statistics show that the number of workplace accidents is on the decline. However, some professions are more accident-prone than others.

Workers compensation insurance companies are footing large claims for workers who have suffered injuries on the job in several states across America - with some southern states experiencing an exceptionally high incidence of work injuries leading to workers compensation claims.


The following list shows the top 10 states where workers  claims are often filed.


1) Louisiana,

2) Mississippi,

3) Texas,

4) Oklahoma,

5) Kentucky,

6) New Mexico,

7) South Carolina,

8) Florida,

9) Georgia and

10) Alabama.


Workers in the nation's capital, Washington D.C., are more likely to file a workers comp claim than those in any other state. In 2012, 1 of every 14 workers in Washington filed a work-related injury or illness report with their employer or the government, according to the U.S Bureau of Labor Statistics.

Each year, Louisiana has the highest rate of work-related injuries and illnesses. In 2012, there were 2,387 cases per every 10,000 full-time workers in the state. Mississippi reported 1,999 cases per 10,000 workers, and Texas had 1,836 cases per 10,000 workers. Workers in Washington, D.C., were the most likely to file a workers compensation claim, with 361 points per 10,000 workers. New Mexico reported 305 cases per every 10,000 full-time employees, and South Carolina had 252 shares for every 10,000 workers. Georgia followed closely behind with 233 points for every 10,000 full-time employees.

In 2012, there were 19.3 million injuries and illnesses in U.S workplaces that required days away from work, job transfer or restrictions, according to the Bureau of labour statistics. Injuries and illness rates declined by 1% from 2011, when 19.4 million cases occurred, resulting in 4 points for every 100 full-time workers.

In the calendar year 2012, 5 per cent of the employers in the private industry reported having job vacancies for at least a month, while 7.4% of their employees were out due to injury or illness. In some cases, long term disability insurance is available to cover a percentage of lost wage replacement. The most common injuries and illnesses workers suffered from during 2012 included:


1) Back and knee disorders,

2) Repetitive movement injuries,

3) Cuts and lacerations,

4) Falls, slips and trips

5) Stress or mental disorders (which includes stress and depression).


Benefits of workers compensation insurance to the companies.

One of the benefits of workers compensation insurance is that it can save employers money in short and long term costs. It reduces turnover rates when employees know they will be financially secure after a workplace injury. 

Workers compensation insurance is a form of coverage that companies offer to their employees for injuries or disabilities during employment. The workers' comp system in each state varies. Still, the company's insurance carrier will generally compensate the employee up to certain maximums for medical bills and lost wages after an injury.

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