Although I agree that the preposition "de" is overused, particularly by non-native Speakers, adjectives are equally underused by native speakers of English, as many of these chains could actually be considered adjevtives.
Consider the following example:
Railroad worker - Trabajador (n) de ferrocarril (n)
While this is technically correct, it is symptomatic of the overuse of "de", and for that matter all other prepositions. More eloquently you could say:
Railroad worker - Trabajador (n) ferroviario (adj)
High-brow Spanish also makes use of more proper Latin-derived nouns and adjectives as well.
Worker accident rate - Frecuencia (n) de accidentes (n) de trabajadores (n)
Worker accident rate - Frecuencia (n) de accidentes (n) laborales (adj)
Worker accident rate - Siniestralidad (n) laboral (adj)
Now, for one of yours.
Car insurance customer claim rate - Tasa (n) de reclamaciones (n) al seguro (n) de automóvil (n) del cliente (n) *I don't think a Spanish speaker would ever say something like this
Car insurance customer claim rate - Siniestralidad (n) automovilistica (adj) del cliente (n)
Car insurance customer claim rate - Siniestralidad (n) automovilistica (adj) personal (adj)
For this reason, a lot of things written in English and translated to Spanish look excessively long and convoluted when translated by someone doing word-for-word translation.