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Growth in Maryland's construction industry could fuel accidents

The construction industry is known for the accident risk workers face on the job every day. Working from a considerable height or near heavy machinery obviously can be dangerous, and these are commonplace occurrences at many construction sites. When workers are injured in the normal course of work duties, they're typically covered by workers' compensation insurance.

Maryland's economy is growing, which means that individuals and businesses are starting new construction projects. More construction jobs likely means that more workers will be injured over the next few years. This potential for construction site accidents is also reflected in growing workers' compensation premium incomes.

Based on state law, many employers are required to purchase workers' compensation insurance, which is intended cover employees when they are injured or fall ill. The largest workers' compensation insurance provider in Maryland, IWIF, recently saw a jump in premiums. Observers believe this growth in premiums is related to the increase in construction employment, since the industry accounts for a major share of workers' comp policies.

Another interesting item to note is that IWIF is transitioning from being partially run by the state to a completley private entity. This could have an impact on how construction site accident claims are handled. Workers' compensation laws are incredibly complicated, so it may be worthwhile for injured workers to seek advice when working through a claim.

Industry analysts suggest that the construction industry will continue to grow, which will obviously continue to create a demand for workers. Knowing this, efforts may need to be made to appropriately prevent and respond to construction site accidents.

Source: Baltimore Business Journal, "IWIF's premium income rises with construction workers back on the job," Gary Haber, July 26, 2013

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