First-year workers account for 38% of all small business workers' comp claims, according to The Travelers Companies, Inc., which reported that across industries 35% of injuries occur during a worker's first year on the job, regardless of age or experience.

The most expensive types of claims involving first-year employees were amputations, multiple traumas, electric shocks and dislocations. Combined they account for just 8% of all claims, but make up 26% of total workers' compensation claims costs, according to Travelers.

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Steve Hallo

Steve Hallo is managing editor of PropertyCasualty360.com. He can be reached at [email protected]