Businesses can take simple steps to help prevent workplace injuries that cost an estimated $5.8 billion in insurance claims in 1997.

According to the Western Insurance Information Service, employers should ensure each employee receives a workplace safety manual, conduct regular safety inspections, communicate the importance of safety in the workplace and keep detailed records of all accidents.

Almost half of the disabling injuries involve the back or upper extremities. While computer- related injuries such as carpal tunnel account for only two percent of workers' comp claims, injuries can be expensive because they usually require time off from work.

Back injuries can be prevented through learning proper lifting techniques and perhaps by wearing back belts. Strain-related injuries can be prevented by providing adjustable work stations.

The amount an employer pays for workers' comp insurance is based on the risk of injury associated with the business, as well as previous injuries and their severity. Other factors that influence rates include cost of medical treatment, litigation costs and fraud.