When it comes to running a small business, workplace injuries can have a huge impact on operations. This is especially true when the injury results in an employee absence. Consider a small business that may employ only three people: That business is losing one-third of its workforce. According to the Hartford’s 2015 Small Business Success study, only 29% of small business owners are concerned about an employee being injured at work. Yet, workplace accidents happen more often than you think. A five-year analysis of Hartford’s claims data found that there is a 50% chance a small business will experience a claim in the next 10 years.