Workers’ Comp and Preventing Heat-related Claims 

When the summer heat rolls into Chadds Ford, PA, it brings more than just discomfort; it raises the risk of heat-related illnesses on the job. For businesses with outdoor employees, such as landscapers, construction crews or delivery drivers, preventing heat stress isn’t just a health concern; it can also be a liability issue.

Workers’ compensation insurance may cover heat-related injuries or illnesses if they occur during employment. However, a rise in claims can lead to higher premiums and potentially serious consequences for affected workers.

How Heat Exposure Becomes a Workers’ Comp Claim

In Chadds Ford, PA, workers’ comp covers occupational illnesses and injuries that are work-related, including those caused by extreme weather. Common heat-related conditions may include the following:

• Heat exhaustion—Symptoms like heavy sweating, dizziness and weakness may require medical care and time off.

• Heat stroke—A medical emergency that can be life-threatening and often leads to significant recovery time.

• Dehydration—Even mild dehydration can affect performance and increase the likelihood of accidents.

If an employee suffers from any of these conditions while working, especially without adequate precautions, your business could face a legitimate claim.

Preventive Measures for Employers

Reducing the risk of heat-related claims starts with clear workplace protocols and employee education. Consider implementing the following:

• Hydration stations—Ensure workers have frequent access to cold water throughout their shift.

• Rest breaks in shaded areas—Offer scheduled breaks in cooler environments to allow recovery.

• Acclimatization plans—New or returning employees should be gradually reintroduced to hot environments.

• Heat safety training—Teach staff to recognize early symptoms of heat stress and how to respond.

Stay Ahead of the Heat

By taking steps to protect your team from heat-related illnesses, you’re not just keeping your employees safe; you’re also potentially reducing your exposure to workers’ comp claims. Contact us today to get started.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.