AmTrust’s Retail Risk Report examined 3 years of retail workers’ compensation claims in an effort to help agents and small business owners better understand the risks involved in this industry. Our data explores top hazard classes, common injuries, average loss time and more. Our report also includes loss control tips to help reduce worker injuries.

                Top 4 Hazardous Classes

                1

                MEAT, FISH OR POULTRY

                Meat market workers or those in the butcher department at the grocery store work with sharp knives and power saws, which can easily lead to lacerations and cuts. However, AmTrust claims data shows that the most common types of injuries occur to the facial bones, elbows, ankles and knees. Upper extremity injuries can be caused by lifting heavy boxes or high-force or repetitive motions.

                2

                HARDWARE

                Hardware store employees climb ladders, cut lumber and load heavy supplies onto pallets or into cars for customers. It’s not a big surprise that AmTrust claims data reveals that the most common types of injuries involve the trunk (upper back), upper extremities (shoulder/upper arm) and lower extremities (ankle).

                3

                AUTOMOBILE PARTS AND ACCESSORIES NOC & DRIVERS

                AmTrust claims data shows the major types of injuries for this retail class involve soft tissue, multiple upper extremities, elbows and shoulders. Knee injuries are also commonly reported.

                4

                BARBERSHOP, BEAUTY PARLOR OR HAIR STYLING SALON

                Common injuries for barbers and hairstylists involve the shoulders and thumbs. The repetitive nature of this occupation, using scissors, shavers and razors for many hours a day can easily lead to injury in the upper extremities. Trips, slips and falls are also a major cause of injury for these workers, who often walk on wet, slippery floors with a great deal of tripping hazards from styling utensil cords.

                AmTrust Financial's review of
                Retail
                class codes reveals average
                claim costs
                and lost time
                vary widely depending on
                injury type
                and other factors.

                Recent Trends In Retail Claims

                AmTrust Financial’s review of retail class codes reveals average claims costs and lost time vary widely depending on injury type and other factors. The most common occupational risks retail workers face are from strains and falls.

                • Lifting, pushing, pulling, reaching, repetitive motion , and using tools and machinery can all contribute to strain injuries. Many of these repetitive tasks happen in a warehouse or stock room, while placing inventory in the store or servicing customers.
                • Common falls include from the ground level, on ice or snow, on stairs, or on wet surfaces.
                • Motor vehicle accidents were also a top-ten injury group, resulting in one of the highest average payouts.

                AmTrust Claims Data Shows:

                • When an injury involves lost time, on average a worker is out for 24 days.
                • Strains are the most common injury payout group, but the average payout per injury is higher for slips and falls.
                • Older, experienced workers were injured less frequently, but when they were, the injuries were likely to be more severe with a higher payout.
                • Men are more likely to file injury claims and their claims result in higher payouts, likely due to a higher percentage of men performing riskier tasks.

                Our Retail Risk Report Takes a Deeper Dive Into:

                • Common retail workers’ injuries and lost time in the workplace
                • Industry loss ratio trends
                • Body parts most commonly injured in retail
                • How to implement loss control best practices to help reduce risk in retail

                Top Injury Types

                Lifting was the top reported injury type, accounting for 22% of reported claims and 23% of total payout for the top-10 injury types. This injury-type also had the highest total payout at $22 million.

                Top-Three injury types with the highest average payout:

                Fall from ladder or
                scaffolding:

                $21,000
                Payout

                Repetitive
                Motion:

                $14,000
                Payout

                Motor Vehicle
                collision

                $13,900
                Payout

                Strains cause
                26%
                OF REPORTED CLAIMS
                and
                32%
                OF REPORTED PAYOUTS
                Rack of tires
                Sea of shopping carts
                Age is correlated with payouts; the
                higher the age, the higher the
                average payout.
                AGES
                41 TO 60
                HAD THE HIGHEST TOTAL
                PAYOUT AND HIGHEST
                AVERAGE DAYS OUT
                The average retail injury with lost
                time resulted in
                24 days
                OUT OF WORK
                Table top with a variety of tools scattered acroos it

                Gender Breakdown: Men vs. Women

                WHO REPORTS MORE INJURIES?

                Retail workers lost an average of 24 days of work due to injuries. The data shows that men reported injuries more frequently than women. This data is consistent with other studies that show men are more likely to get injured at work, including data from the Bureau of Labor Statistics. The total amount of losses paid, as well as the average loss paid, is greater for men that for women.

                ARE MEN MORE LIKELY TO BE INJURED AT WORK THAT WOMEN?

                AmTrust claims data showed that men reported more injuries, and their injuries resulted in more loss time and higher average payouts. Researchers point to different hazards presented in traditional gender-dominated roles and industries.

                MEN VS. WOMEN: AVERAGE LOSS PAID

                MEN VS. WOMEN: TOTAL LOSS PAID

                MEN VS. WOMEN: TOTAL REPORTED

                AVERAGE LOST TIME FOR MEN:

                24 DAYS

                AVERAGE LOST TIME FOR WOMEN:

                22 DAYS

                Retail Stores - Part of Body Reported

                Multiple Parts
                3,335
                Total
                Reported
                $53,067,290
                Total
                Paid
                Head Soft Tissue
                741
                Total
                Reported
                $4,018,774
                Total
                Paid
                Shoulder(s)
                1,058
                Total
                Reported
                $17,455,084
                Total
                Paid
                Finger(s)
                2,979
                Total
                Reported
                $10,729,883
                Total
                Paid
                Hand
                1,376
                Total
                Reported
                $5,699,432
                Total
                Paid
                Thumb
                911
                Total
                Reported
                $2,653,866
                Total
                Paid
                Lower Back Area
                2,232
                Total
                Reported
                $25,589,685
                Total
                Paid
                Other
                1,058
                Total
                Reported
                $7,491,702
                Total
                Paid
                Knee
                1,069
                Total
                Reported
                $11,421,781
                Total
                Paid
                Foot
                945
                Total
                Reported
                $6,528,409
                Total
                Paid

                Injury Data By Age Group

                Older Workers Have Fewer Injuries But Take Longer to Recover and Incur Higher Average Payouts

                THE OVER-70 AGE GROUP ACCOUNTS FOR LESS THAN ONE PERCENT OF CLAIMS BUT HAD THE HIGHEST AVERAGE PAYOUT AT
                $14,408
                Modern smart phone sitting next to a classic rotary phone

                NCCI data shows that older workers have some of the lowest incidents of injury. Because of their experience, older workers have more training and safety knowledge and take fewer risks.

                "When injuries do occur, older workers are more likely to have comorbidities and often take longer to recover," said Matt Zender, Senior Vice President of Workers’ Compensation Strategy at AmTrust Financial.

                NUMBER OF CLAIMS BY AGE GROUP and Premium Size

                TOTAL LOSSES PAID BY AGE GROUP

                INTERESTING TRENDS

                • The 18 to 30 age group has the highest reported count, but the over-70 group is about four times more costly per claim.
                • Although the 18 to 30 age group accounted for the highest reported percentage of injuries (31.7% of the total), they had a lower payout overall than most age groups (accounting for only 15.7% of payouts) and a shorter lost time than older age groups.
                • The over-70 age group accounted for less than one percent of claims but had the highest average payout at $14,408. The data shows a correlation between higher age and higher payout, with the lowest average payout for the under-18 age group ($1,995 on average).

                Data Shows Retirement Age Is Rising

                "Companies are recognizing the benefit that older, more experienced employees bring. Their knowledge of the industry and job duties can provide a meaningful, positive impact for the employer.

                There are advantages for the employee too. In addition to economic benefits, there are proven health benefits to working past retirement age for the individual.

                Those who are continuing to work and continuing to keep an active mind are seeing lower instances of degenerative diseases, whether it’s mental or physical."

                - Matt Zender, Senior Vice President of Workers’ Compensation Strategy, AmTrust Financial

                INDUSTRY TERMS:

                Throughout this report, we've shortened terms to make them clearer and easier to understand. Below is a list of the terms we shortened and the corresponding industry verbiage.

                • Strains refers to strain or injury by
                • Falls refers to slips and falls
                • Struck by refers to struck or injured by
                • Collapsing materials refers to caught in or between collapsing materials
                • Retail used throughout this report refers to Store 4-wall class codes, including retail class codes
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