Workplace Risk Report 2026: In today’s time, employee safety is becoming a big challenge in every sector, big or small. Due to increasing work pressure and excessive use of machines, the risk of accidents is also increasing. Meanwhile, there is a huge increase in the cases of accidents occurring at work place in the MSME sector of India.

According to the BimaKavach Workplace Risk Report 2026, released before May 1, Labor Day, there has been a 31 percent increase in workplace injury claims on an annual basis in the financial year 2025-26. According to the report, the main reasons for this increase are increase in industrial activities, better reporting system and expansion of insurance coverage.

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Manufacturing sector was most affected

Data of more than 6 thousand MSME companies has been studied in the report. This report revealed that most of the accidents are happening in factories and manufacturing.

The main reasons behind these accidents are like…

• Machine related accidents
• slip and fall
• Serious injury during construction work

Despite the large number of companies taking insurance policies in the IT and technology sector, accident claims remained almost zero.

Danger increases in this season

According to the report, the risk of workplace accidents is higher between June and September. Monsoon months accounted for 43 percent of the total claims. The surprising thing is that 13.4 percent claims were registered in July alone. Because the risk of slipping increases due to heavy rains.

Highest risk in these states

Workplace risk is highest in industrialized states. Maharashtra 20 percent, Gujarat, Karnataka, Delhi. These four states together represent more than half of the total policies.

Following the rules is still the main reason

According to the report, 94.6 percent MSME companies buy Workmen’s Compensation Insurance only to meet legal regulations. But now gradually the thinking of companies is changing and they are taking the safety of employees seriously.

Acceleration through digital process

Due to digital transformation in the insurance sector, the process of issuing policies has become much faster.

• 69.1 percent policies were issued on the same day
• 82 percent policies were activated within three days

This is much faster than the traditional 3-7 day process.

What did the CEO of BimaKavach say?

Founder and CEO of BimaKavach, Tejas Jain said that it is now becoming difficult to ignore workplace risks. According to him, because the risk is not limited only to physical injury, but ignorance of rules and financial weaknesses are also a big danger.

Donald Trump has imposed 50% tariff on India’s exports, which will directly affect Indian exporters and workers and can pose a threat to millions of jobs. However, the Modi government has prepared a strategy to deal with this situation. Like the relief schemes implemented during the Kovid lockdown, people and businesses will be given relief through new schemes. Also, work on long -term strategies to find a new market from America and strengthen the global supply chain is going on.

According to the report of Hindustan Times, two senior officials said that the government is first focusing on finding a solution to the cash crisis. Along with this, work is being done on covid-style schemes to save export and employment. Trump’s tariff can cause many problems, such as delay in payment, non -supply of goods, or cancellation of order. The aim of the government is that the exporters should be given necessary relief to continue the operation till the new market is discovered.

Government can announce relief package

According to officials, the government can again bring such relief packages like Corona was given during the lockdown. This is especially necessary for small and medium industries because they are facing cash problems. The government will pay attention to schemes like Emergency Credit Line Guarantee Scheme (ECLGS), in which 100% guarantee will be given loans without bail. This will save millions of small and medium industries from bankruptcy. In the lockdown, the same scheme rescued industries even after the industry was closed for 68 days.

Officials said that these schemes can be changed according to the current situation and its needs. The government will provide immediate relief as well as implement schemes in a phased manner so that long-term strategy can also be prepared. Apart from providing cash, strengthening the existing trade agreements and finding opportunities in the new market will also be faster.

GST will also get relief

Officials said that the government is also considering many reliefs related to tax, including GST reform. Many decisions related to tax reduction and improvement can be taken in the GST Council meeting to be held next week. He also said that due to the strength of the domestic market, India’s economy is safe and tariffs like external factors will not affect it much.

Officials said that the Indian economy remains strong and flexible due to domestic consumption. Although export plays an important role in economic development, it is only a small part of the country’s total GDP of 4.12 trillion dollars. The contribution of exports to the total GDP is about 10% i.e. $ 438 billion. For this reason, India’s economic growth rate was recorded at 7.8% even in the June quarter.

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