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.