Insurance Savings and News You Can Use
Join the Conversation!

Contractor Insurance and the Main Cause of Construction Injuries

Posted by David Ross on Sun, Jan 20, 2019

How to avoid the main cause of injury in construction, and lower your contractor insurance costThis is the final blog post addressing what OSHA has labeled the “fatal four.” The fatal four are four hazards that are responsible for 63.7% of all construction worker deaths.

Recognizing and preventing these hazards will save lives, improve employee morale, and help reduce insurance costs.

The Fatal Four include the following hazards (statistics are from 2016):

1- Falls accounted for 38.7% of deaths
2- Being struck by an object accounted for 9.4%
3- Electrocutions accounted for 8.3%
4 -Caught-in/between accounted for 7.3%

Today, we’ll be addressing the most common cause of construction site injuries and the leading cause of construction worker deaths – falls.

 

4 Leading Causes of Falls and How to Prevent Them

 

1 - Unprotected edges, wall openings, and floor holes

Falling from a higher level can result in sprains, breaks, concussions, and death. Unprotected edges, wall openings, and floor holes can cause workers to fall from great heights. OSHA requires the use of guardrail systems, safety net systems, and/or fall arrest systems when workers are exposed to a fall hazard of six feet or more above a lower level.

Guardrails – the only solution that prevents falls from happening - must be 39 – 45 inches in height from the surface, the top rail must be able to withstand a minimum of 200 pounds and the middle rail 150 pounds.

Safety nets must be placed less than 30 feet below the work area and must extend at least eight feet out from the worksite. Border ropes must have a minimum strength of 5,000 pounds.

Fall arrest systems consist of the anchorage, connecting device, and full-body harness. Arrest systems should be inspected before each use.

Other safety precautions to avoid this type of fall include the following:

  • Before cutting a hole, barricade the work area if possible.
  • Holes should be covered or guarded immediately, and the covers should be able to support two times the weight of employees, materials, and equipment.
  • Clearly mark where there is a hole.

2 - Improper Scaffolding Construction

According to the Bureau of Labor Statistics (BLS), accidents involving scaffolding account for approximately 4,500 injuries and 50 deaths in the U.S. every year.  The BLS found that 72% of scaffolding injuries are caused by the planking or support giving way, the lack of guardrails and/or fall protection, and objects falling from overhead.  OSHA requires that employees on scaffolding that is higher than ten feet above a lower level must be protected.

Safety precautions to avoid falling from scaffolding include the following:

  • Construct scaffolding according to manufacturer’s specifications
  • Install guardrails
  • Brace or tie scaffolding to the building if height or width of scaffolding calls for it.
  • Use metal walk boards instead of wood if possible
  • Ensure safe access to and from the platform
  • Follow the load capacity guidelines
  • Wear hard hats and other PPE (Personal Protective Equipment)

3 - Unguarded Protruding Steel Rebars

The chance for injury from a fall from an elevated position increases significantly if protruding steel rebars are left unguarded, and even the simple trip or fall can cause serious injury when steel rebars are left unguarded. Unguarded rebars can cause cuts, abrasions, impalement, and other injuries.

Assess the site for rebar-related hazards. Cap any protruding steel rebars with steel-reinforced rebar caps or wooden troughs or bend the rebar at the very least. Make sure that all employees wear appropriate PPE and those working above rebars wear fall protection.

4 - Misuse of Portable Ladders

Falls from ladders are an all-too-common cause of injury at construction sites. Improperly placed ladders can shift or fall, and workers can slip or lose their balance when working on ladders. To avoid injuries, the proper ladder should always be used for the job, it should be safely positioned on a solid surface, and workers should take their time when working on ladders.

Most accidents with ladders are caused by the following:

  • Incorrect ladder choice
  • Improperly secured ladders
  • Trying to carry tools and equipment while climbing a ladder
  • Lack of attention
  • The condition of the ladder
  • Ladder placement
  • Not taking your time

Safety precautions when using a ladder include the following:

  • Place ladders so the side rails extend at least three feet above the landing
  • Attach the top and bottom of the ladder to something secure to keep it from slipping or falling
  • Use the correct size ladder so that it can be placed at a stable angle
  • Maintain three points of contact when going up or down a ladder
  • Stay near the middle of the ladder
  • Face the ladder when climbing up or down 

Imagine if you could eliminate (or at least significantly reduce) falls at your worksites. Nearly 40% of accidents would be eliminated, and you’d be left with happier, safer, and more productive employees and lower insurance costs.

The Quickest Way to Lower Your Contractor Insurance Cost

Contact us to save on Contractor Insurance in Philadelphia, Berks County, Lehigh Valley, Lancaster, Pittsburgh, Erie, PA and beyond!Another way to save on construction and contractors insurance is to work with the independent agents at American Insuring Group.

We work with multiple insurance companies to ensure that you get the very best price on all your Contractor Insurance needs. 

Get started by calling us today at (800) 947-1270 or (610) 775-3848 or contact us online.

Tags: Contractor Insurance, Contractor Safety Management, Construction Insurance, Commercial Insurance

Prevent Injuries and Save on Contractor Insurance Costs

Posted by David Ross on Sun, Aug 05, 2018

Prevent Injuries Through Safety, Lower Your Contractor Insurance Costs in Pennsylvania and Elsewhere.We talk a lot about safety on this blog, but the truth is that reducing and preventing the number of injuries in the workplace, is one of the best ways to reduce your workers’ compensation and liability insurance costs. These costs tend to be higher than average in the construction industry due to its dangerous nature, so we’re going to keep talking about safety.

One of the best ways to prevent injuries is to be aware of where and how most accidents occur. Here are the five top events or exposures that lead to injury on construction worksites according to ConstructConnect, along with some tips to avoid them.

The Top 5 Injury Factors on Construction Worksites

#1 - Contact with Objects

Construction sites are filled with heavy equipment and dangerous tools, so it’s no surprise that in 2016, there were 29,160 cases of injuries caused by contact with objects. Being struck by objects or equipment caused the most injuries. Most of those were caused by handheld equipment or objects slipping or being swung by the injured employee. 5,220 accidents were caused by a falling objects or equipment hitting workers.

Injuries also occurred when workers hit an object or a piece of equipment. Some injuries occurred by hitting something stationery such as stepping on an object, but more happened when workers hit a moving object such as a moving part of the machinery.

There were also 3,260 injuries caused by a worker being caught in or compressed by equipment or objects.

Safety Tips:

  • Always wear a hardhat onsite
  • Avoid areas where work is being done overhead
  • Use lanyards or netting to avoid dropping tools or materials to a lower level 

#2 – Slips, Trips and Falls

In 2016, there were 24,700 reported cases of construction workers being injured by slips, trips, or falls. The majority of those injuries were caused by falling to a lower level.

Safety Tips:

  • Provide fall protection for anyone working up high
  • Keep areas where people walk clear
  • Inspect personal arrest systems to make sure that everything is in good working order

#3 – Overexertion

Construction is hard work, so it’s no surprise that in 2016, 21,150 overexertion injuries were reported. These injuries were caused by lifting or lowering objects; pulling, pushing, or turning; holding, carrying, or wielding, and other things like bending, twisting climbing, reaching, etc.

Safety Tips:

  • When lifting an object, bend at your knees and use your legs
  • Wear a back brace when lifting a heavy object
  • Take regular breaks when feeling fatigued or doing something that requires repetitive motion

#4 – Transportation Incidents

U.S. roads can be dangerous. In 2016, 3,470 injuries reported in the construction industry were the result of transportation incidents. This includes vehicle collisions and pedestrians being struck and injured by vehicles in both work zones and off the road – like on construction sites.

Safety Tips:

  • Obey traffic rules when driving
  • Be aware of what’s going on around you
  • Avoid blind spots with mirrors and visual aid devices such as backup alarms and lights
  • Control traffic using barricades and signs to alert drivers of work zones, shifting traffic patterns, etc.
  • Wear proper safety equipment including hard hats, highly visible clothing, steel-toed boots, etc.

#5 - Exposure to Harmful Environments or Substances

In 2016, there were 1,470 injuries caused by exposure to extreme temperatures and 420 injuries caused by exposure to electricity. Electrical injuries can include electrocution, electrical shock, burns, and falls, and low voltage does NOT mean low hazard.

Safety Tips:

  • In hot weather, keep hydrated, try to schedule work during the cooler time of day, bring shade, and keep an eye on each other
  • In frigid weather, provide a heated break area; ensure that workers dress appropriately with layers of loose-fitting, insulated clothing; gradually introduce workers to the cold; know the symptoms of hypothermia, frostbite, and trench foot; and monitor each other
  • Check electrical cords and wires before using
  • Wear personal protection when handling electrical materials

Understanding Leads to Prevention

Understanding your biggest risks for injury and how to prevent them before they happen are your first steps to minimizing injuries in a notoriously dangerous industry. Providing a safe work environment is good for you and your employees. Plus, it provides cost savings on insurance and other costs of workplace injuries such as missed days of work, training new employees, lower employee morale, etc.

 

We'll Help You Save on Every Kind of Commercial Insurance!

To learn more ways to save on contractor insurance, workers comp insurance and all types of commercial insurance, simply call American Insuring Group at (800) 947-1270 or (610) 775-3848 or click to contact us online.

Our independent agents aggressively shop the market to find you the very best deal on quality insurance. Contact us today to start saving in Pennsylvania and beyond!

Tags: Contractor Insurance, Contractor Safety Management, Workers Compensation Insurance, workers comp costs, Commercial Liability Insurance

Contractor Safety Management in 5 Easy Steps

Posted by David Ross on Sun, Dec 17, 2017

Contractor Safety Management and Workers Comp Insurance Tips for Reading, Philadelphia, Allentown, Pittsburgh, Erie, Lancaster, York, PA and beyond.In 2015, 937 construction workers were killed according to the Bureau of Labor Statistics.

That’s 21.4 percent of all worker fatalities – the most deaths of any industry sector. Safety and Health Magazine puts those numbers into perspective: “Every week in 2015, 18 construction workers went to work and did not return home.”

Good Safety Management Goes Beyond Workers Comp & Contractor Insurance

As a contractor, you should be committed to creating and maintaining safe construction sites for the protection of your workers and your business. A good safety management program helps strengthen your reputation, attract the best employees, allow your workers to be more productive, comply with OSHA and local regulations, reduce liability exposure, keep your workers compensation insurance and contractor insurance costs down, and – of course – keep your employees safe.

Safety for Contractors and Subcontractors 

Hopefully, you have and enforce a safety management program for your employees, but what about contractors and subcontractors? Your contractors could bring workers to your job site who don’t have the training or certifications that you require of your employees. They may not understand site-specific issues or their responsibilities. And if an injury does occur, it could become your responsibility.

While it may take a little more effort, a good Contractor Safety Management program can prevent many safety issues created by contractors and may be even more critical if the Protecting America’s Workers Act – an amendment to the Occupational Safety and Health Act of 1970 – is passed.

The Protecting America’s Workers Act  

Part of this Act includes requirements relating to an “employer's duty to furnish a place of employment free from recognized hazards causing or likely to cause death or serious physical harm that the employer creates or controls or in which the employer exposes any individual (not just an employer's employee) performing work there” and “site-controlling employer's duty to keep a site log for recordable injuries and illnesses of all employees, including employees of the site-controlling employer or others (including independent contractors) performing work there.” 

 

Here is a 5-Step Process for Creating an Effective Contractor Safety Management Plan:

  1. Prequalification – Any potential contractors should complete a prequalification process that includes safety requirements such as basic EHS (Environments, Health, and Safety) metrics like their recordable incident rate and days away from work, the quality of their services and their technical qualifications and competencies. Look at the contractor’s internal training programs and ask if they use safety as criteria for employment.

  2. Planning – Take an EHS assessment of every job site identifying specific hazards and what additional requirements might be needed from a sub-contractor.

  3. Orientation and Training – Inadequate training is often the cause of contractor fatalities. Even if the organizations you’re hiring provide safety training (which they probably do if you’ve considered their safety record), you should provide site-specific training that addresses hazards, emergency procedures, and safety requirements.

  4. Monitoring and assessment – Monitor the progress of work to identify any safety issues and address those issues promptly. Provide timely feedback on the contractor’s safety performance early on.

  5. Performance evaluation – Evaluate and document the contractor’s performance including if the work was done safely, if it was completed on time, and if the quality is acceptable. This can make it easier to choose contractors for future projects.

Taking these five steps, aligning your safety strategies with your contractors, and creating a culture of safety across all of the workers on your work site will create a safer environment for everyone on your job site, help you can comply with any future regulations, help protect your business, and save you money.

 

Protect Yourself With Workers Compensation & Contractor Insurance

Regardless of your best efforts to create the ultimate safety management plan, accidents can happen. At American Insuring Group our independent insurance agents will help you get the precise level of commercial insurance coverage you need, including Workers Comp Insurance and Contractor Insurance at the best possible price.

So contact us online or call today at (800) 947-1270 or (610) 775-3848.

Tags: Contractor Safety Management, Contractor Insurance