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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