One of the best ways to lower Contractor Insurance costs is by creating safer worksites. Construction sites are filled with hazards – moving vehicles, falling objects, heavy equipment, etc. These are the more noticeable hazards because if an accident occurs, it's immediately apparent. One hazard that may not be as obvious is cold winter weather because the harmful effects of cold weather may not appear immediately.
The Centers for Disease Control and Prevention (CDC) states, "Anyone who has to work in a cold environment may be at risk of cold-related illnesses and injuries, or 'cold stress.'" Here are cold-related illnesses and injuries to watch for.
Hypothermia – When exposed to the cold, your body loses heat faster than it can produce. Extended exposure to cold temperatures can result in the loss of your body's stored energy, leading to hypothermia or dangerously low body temperatures. Hypothermia can occur at temperatures above 40 degrees F if you're chilled by sweat or snow.
Frostbite – The Mayo Clinic describes frostbite as "an injury caused by freezing of the skin and underlying tissues." Body parts particularly prone to frostbite are fingers, toes, nose, and ears. Frostbite can occur when the air temperature is below 32 degrees F.
Trench Foot – When your feet are wet and cold for an extended time, moisture can cause your feet to lose heat, which can slow blood flow and damage tissue.
Training
Empower your workers to make smart choices by training them on working in cold weather. That training should include the following:
Personal Protective Equipment PPE
The right PPE can help protect your workers from the dangers of cold weather and help lower your Contractor Insurance costs. Plus, comfortable and healthy workers are more productive. OSHA does not require that employers provide ordinary clothing used solely for protection from the weather, such as coats, gloves, and hats; however, sometimes, it makes good business sense to do so.
Clothing Layers
Layering clothing is key to keeping warm and safe in any weather. There are three layers you should consider:
Another step to lowering Contractor insurance costs is calling American Insuring Group at (800) 947-1270 or (610) 775-3848 or connecting with us online. Our independent agents will compare the cost of your insurance with several insurance companies to ensure that you pay the lowest premium.