Chubb’s Claims department includes a team of dedicated registered nurse professionals with extensive experience helping businesses and organizations address health and safety issues. Our nursing team also supports employees as they recover from injury and illness — and return to work. In the spirit of promoting safe and healthy workplaces, our medical specialists developed this edition of Chubb HealthBeat to help your business and employees understand and prevent illnesses and injuries caused by exposure to cold temperatures.
Maintaining body temperature while on the job isn’t just a matter of comfort. It’s also essential for health and safety. When exposed to cold air, employees can lose internal body temperature and suffer from freezing extremities. These conditions can result in loss of coordination, impaired judgment, tissue damage, and even death.
Fortunately, employers and employees can work together to mitigate the risks of illness and injury caused by cold temperatures—even in the harshest conditions. Engineering and operational controls, suitable clothing, and workplace training can go a long way toward protecting employees who are exposed to cold temperatures.
Any employee exposed to cold temperatures, regardless of industry or occupation, is at risk for cold-related injuries and illnesses. Sectors that require employees to work outside during cold weather or winter months are at higher risk. These include:
Employees who work in artificially cold settings — such as cold storage warehouses and refrigerated catering facilities — are also at risk. Wind and moisture can worsen the effects of cold temperatures.
Acclimation to cold environments can help some people naturally resist the impact of cold temperatures. This also means that employees who aren’t used to cold temperatures can be at greater risk for cold-related illnesses and injuries. People can experience cold-related medical conditions even when the temperature is above freezing.
Employers and employees alike should be especially aware of the following two dangerous cold-related conditions:
Any employee showing the symptoms of either of these conditions should move to a warm location, such as a heated vehicle, and seek immediate medical attention. Call 911 for the most severe symptoms of hypothermia.
When waiting for emergency medical care, be cautious about taking additional steps beyond providing warm fluids (not alcohol) to drink and dry clothes or blankets to someone suffering from cold-related medical conditions. Do not rub or apply hot water to frozen extremities or walk on frostbitten feet or toes, which can cause further damage.
While the Occupational Health and Safety Administration (OSHA) does not provide specific standards for working in cold environments, employers must generally take steps to prevent workplace and employment hazards, including those caused by exposure to cold temperatures.4 To prevent hypothermia, frostbite, and other cold-related medical conditions, employers should:
Employees can take a number of steps that will help prevent cold-related injuries and illnesses, including:
OSHA — Cold Stress Guide
CDC | NIOSH — Cold Stress: Cold-related Illnesses
CDC | NIOSH — Cold Stress: Recommendations
This document is advisory in nature and is offered as a resource to be used together with your professional insurance advisors in maintaining a loss prevention program. It is an overview only, and is not intended as a substitute for consultation with your insurance broker, or for legal, engineering or other professional advice.
Chubb is the marketing name used to refer to subsidiaries of Chubb Limited providing insurance and related services. For a list of these subsidiaries, please visit our website at www.chubb.com. Insurance provided by ACE American Insurance Company and its U.S. based Chubb underwriting company affiliates. All products may not be available in all states. This communication contains product summaries only. Coverage is subject to the language of the policies as actually issued. Surplus lines insurance sold only through licensed surplus lines producers. Chubb, 202 Hall's Mill Road, Whitehouse Station, NJ 08889-1600.
We can help with that.