First-year employees, regardless of age or industry experience, accounted for 34% of all claims and nearly 7 million missed workdays, according to a review of 2016-2020 claims data conducted by The Travelers Companies, Inc.

"It was just simply — across all industries, across all sectors, across all age demographics — if you are newer in the role, you are at a higher degree of risk," Rich Ives, Travelers' vice president of business insurance claim, said at the 2023 RiskWorld conference. "If you think about why that would be: They are in a new surrounding. The workflow and processes might be different. If I'm a driver, I might be taking a different route. I might be operating new equipment."

In addition to a workforce's collective time on the job, other workplace safety factors can also indicate if an insured is more likely to have a serious claim.

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Steve Hallo

Steve Hallo is managing editor of He can be reached at [email protected]