It is up to construction businesses to see that they complete their projects. However, they also owe their construction employees a debt to see to their protection. Construction zones come with considerable risks. Injuries, property damage and other issues may affect workers.
Construction businesses should approach employee safety from two different perspectives. First, they should follow applied safety to give workers adequate protection. This often comes through obeying workplace law and enforcing safety practices. Second, they should consider their liability risks. They can then invest in the appropriate balances of construction insurance.
Problems Employees May Face
Construction employees face various personal and professional risks. Construction sites are dangerous, and employees can easily face harm. Some of the injury risks the employee may face include:
- Fall Risks: Crowded areas, small spaces and partially-constructed structures could all pose fall risks. Additionally, many employees use ladders or suspension systems to reach elevated areas. These also pose fall risks to users.
- Hazardous Material Exposure: Different construction materials may pose poisonous or exposure risks. Sawdust, cleaning chemicals and other solvents may cause employees to become sick or incapacitated.
- Machinery Risks: Construction projects use a variety of machinery. Many of these materials could easily harm a human. These may include saws, welding torches, various tools, backhoes and other drivable items.
- Environmental Risks: Construction employees don’t just face risks from man-made items. They may face potential harm from the surrounding environment. Severe weather and temperature exposure might lead to heat stroke, frostbite or other injuries. Furthermore, construction sites may attract pests. They could harm workers under certain circumstances.
However, employees aren’t the only people who face risks from a construction site. Mistakes and risks could harm the client as well. Employee mistakes may compromise the structural integrity of the site. This could lead to property damage or injuries for clients. The clients may request compensation as a result of these damages.
Insurance for Construction Sites
A likelihood exists on a construction site for employee injuries or client damages. Construction companies should work to reduce risks with the proper construction insurance policies. As construction is a business, it often requires multiple policies to protect employee and client risks.
- Health Benefits: Most businesses have to provide their full-time employees with health insurance. These policies can greatly help employees maintain their wellness and receive medical care. Health insurance not only helps employees. It can also help businesses see more productivity from those workers. Better productivity may help increase project success rates.
- Workers’ Compensation: There are many ways employees may get hurt, sick or incapacitated on a project. In the event of an accident, workers may need to take time off to recover from their injuries. In the event of such incapacitation, workers’ compensation can help employees cover their medical needs and receive income they might lose while not working. Most states need employers to carry workers’ compensation insurance. Therefore, when an accident occurs, the employer could better help the employee.
- Professional Liability Coverage: Employee mistakes could lead to financial or bodily harm for the client. Therefore, the construction company may need to compensate the harmed client for damages. This coverage may help pay the client and fight legal claims against the employee. This is important coverage that can help the company protect the workers’ professional risks.
These are only a few of the insurance projects that can help protect construction employees. Such policies can also go a long way towards protecting employee risks.
Reducing Employee Risks Through Safety
Insurance can help the construction employer protect financial and legal risks related to employee injuries. However, there are other ways to protect employees. By enforcing proper safety standards, employers can reduce the risks of injuries. This can also reduce the likelihood of ever having to file an insurance claim.
- Follow all workplace rights and standards as required by law.
- Hire qualified employees who have training on the project they will undertake. If employees will face new risks or use new materials, conduct training on the project.
- Only allow employees to work on assigned projects in which they have proper training.
- Inspect your machinery, environment and materials. Doing so can help you catch small problems that may harm employees. If you see workplace hazards, rectify or isolate them. If circumstances warrant, suspend operations until you rectify the situation.
- Require employees to wear appropriate gear at all times. This may include masks, gloves, hardhats, goggles, and machinery-specific safety guards. Furthermore, keep medical intervention materials on hand at all times.
- Don’t allow your employees to work in extreme or severe weather. This may include extreme heat, cold or thunderstorms. When working in exposed conditions, keep supplies like water, snacks and sunscreen on hand.
Furthermore, work to maintain a transparent and positive working environment. Employees should be able to come to their employers with safety concerns. Coupled with the correct insurance, these practices can greatly reduce the chances of employee injuries.
We’ve got you covered. Call Bouchard Insurance at 800.966.6481 for a Tampa contractors insurance quote.