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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. 

Hazards of Working in Cold Weather

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. 

3 Tips to Avoid Cold Weather Hazards

Training
Empower your workers to make smart choices by training them on working in cold weather. That training should include the following:

• The hazards of cold weather
• Proper PPE
• Symptoms of hypothermia, frostbite, and trench foot
• How to treat these conditions

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.

• Heavy-Duty Work Boots – Feet are particularly susceptible to frostbite. Waterproof leather boots with rubber bottoms and a warm lining are typically best when working in cold weather.
• Insulated Gloves – Which gloves are best depends on the type of work you are performing. Typically, the best gloves provide a thin nylon layer against your skin to wick moisture away, a liner for insulation, and a thicker exterior. Water-resistant materials are a must if your hands will be submerged in water or snow.
• Hard Hat Liners – Hard hat liners can help protect your head, neck, and ears when working in cold weather.
• Eye Protection – The sun's glare reflecting off snow can be intense. Polarized safety glasses with anti-fog and foam lining are the best defense against sun glare and the wind.

Clothing Layers
Layering clothing is key to keeping warm and safe in any weather. There are three layers you should consider:

• Base layer – The base layer sits directly against your skin and should wick away moisture and regulate your body temperature. Synthetic, merino wool, or silk materials are good options but avoid cotton.
• Mid Layer – The next layer should provide insulation. Merino wool, micro-fleece, and soft shells are good choices.
• Outer Layer – The outer layer should protect you from wind, rain, and snow. This layer should be breathable and either water-resistant or waterproof. 

Call Us If You Want to Save On Contractor Insurance!

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.

To help you lower Contractors Insurance costs, we share many blogs and tips about keeping workers safe because fewer accidents translate to lower costs. We all know that construction sites – with large pieces of machinery, power tools, moving vehicles, and heavy objects - can be hazardous places. After all, the National Safety Council (NSC) reports that the construction industry experienced the most workplace deaths in 2020.

Typically, construction site accidents do involve workers; however, your workers don’t work in a bubble. Worksite hazards can also affect the public; therefore, construction safety must go beyond protecting workers.

You also need to consider the safety of the public to ensure your work activities don’t put them in harm’s way. The public – pedestrians and drivers - can be particularly susceptible to worksite injuries because, unlike your employees, they probably have not received safety training. Therefore, they may not recognize hazards common to construction sites.

Assess the Site

Every project occurs in a different environment, which makes potential hazards to the public unique to each worksite. Therefore, the first step to protecting the public is to assess potential risks at each worksite and determine how your work could impact the public. This assessment should occur before work begins and periodically throughout the project, as potential hazards can change.

This assessment should help you determine worksite boundaries. It should be crystal clear where public space ends and construction zones begin. Unfortunately, many accidents occur when adults or children - unaware of the dangers construction sites may pose - inadvertently wander into construction zones.

Setting Boundaries

The NSC states “the entire project perimeter and specific hazards within the project site” should be fenced and gated, and “multiple warning signs on the fence instructing the public that this is a construction site” should be installed.

To determine the proper fencing for a particular project, you should consider the following:

• How busy the area is. How many cars and pedestrians will pass by your worksite?
• The type of construction.
• Location of site and proximity to other buildings
• Existing boundaries

5 Most Common Construction Site Hazards to the Public

Once the boundaries are clearly marked, the next step is to look at what type of hazards your worksite may pose to the public and take measures to keep the public safe. Here are the five most common construction site hazards to look for and tips to avoid them:

1. Falling Objects – Construct sidewalk sheds around the walkways where appropriate and install netting or use toe boards on scaffolds so falling objects are caught before hitting anyone. 
   
   
2. Falling into holes, trenches, and other openings - These openings should be covered and barricaded with warning signs posted.
   
   
3. Being struck by moving vehicles - During construction, nearby traffic patterns may change. If the new route is not clearly marked, drivers or pedestrians can end up in the path of construction vehicles. Therefore, erecting barricades and using signage is imperative. If the area receives heavy traffic – especially during rush hour – a flag person should help direct vehicles. Pedestrians are even more vulnerable to moving vehicles; therefore, if sidewalks are rerouted, they must have a clearly identified alternate route that is ADA-accessible. Adequate lighting can also help eliminate accidents.
   
   
4. Scaffolding – To avoid the public being hit by scaffolding, ensure that there is enough room when erecting scaffolding and that it is properly constructed and maintained.
   
   
5. Materials – Materials that are stacked or stored outside the worksite perimeter can cause tripping hazards. Hazardous or flammable materials can also cause injuries. Therefore, keeping materials within the worksite perimeter and hazardous materials stored in approved storage lockers is best.

Don’t Overpay For Contractor Insurance!

Sometimes, despite your best efforts, accidents occur, which is why Contractor Insurance is vital to protect your business. At American Insuring Group, we perform an in-depth review of your business. Then, we compare the costs and types of liability insurance among several competing carriers, providing you with multiple quotes and our recommendation on the best choice for your business.

So start saving today on your Contractor Insurance costs by calling us at (800) 947-1270 or (610) 775-3848, or connect with us online.

Workplace accidents are a significant cause of higher Contractor Insurance costs, so it stands to reason that reducing the number of workplace accidents (and subsequent injuries) will help lower your Contractor Insurance costs. One way to reduce the number of injuries is with Toolbox Talks – informal group discussions that focus on a specific safety topic. 

Since back injuries are a significant concern in the construction industry, a toolbox talk that focuses on safe lifting can be helpful. "Back injuries account for almost 20% of all nonfatal injuries and illnesses with days away from work in construction," according to the Center for Construction Research and Training. "Work-related back injuries and illnesses are caused mainly by repeated lifting of materials, sudden movements, whole body vibration, lifting and twisting at the same time, or bending over for long periods of time." 

And these injuries are costly. The Center reports, "Among all reported injuries in the construction industry, low-back claims are the most frequent and make up the largest proportion of claims costs and days away from work. The prevalence of back injuries among construction workers is probably even higher than the BLS numbers indicate since many injuries are underreported in the construction industry." While you can't eliminate back injuries, you can substantially reduce them with a Toolbox Talk that focuses on safe lifting. 

Two Types of Controls to Prevent Lifting Injuries

The Occupational Safety and Health Administration (OSHA) has identified two types of controls for preventing lifting injuries – administrative and engineering. Engineering controls involve designing workstations to minimize lifting hazards. Examples of this type of control include positioning a work table to avoid long or awkward reaches, using a device to move heavy objects, and redesigning tools. 

Administrative controls include properly training workers, which is what a Toolbox Talk should focus on. 

Proper Lifting Technique

Grainger offers the following steps for safe lifting:

1. Stand close to the load with your feet spread shoulder-width apart. One foot should be slightly in front of the other for balance.
2. Squat down, bending at the knees (not your waist). Tuck your chin while keeping your back as vertical as possible.
3. Get a firm grasp of the object before beginning the lift.
4. Slowly begin straightening your legs, lifting slowly. Never twist your body during this step.
5. Once the lift is complete, keep the object as close to the body as possible. If the load's center of gravity moves away from your body, there is a dramatic increase in stress to the back's lumbar region. 

If you need to set the object below waist level, use the same procedures in reverse order. 

Additional Lifting Tips

• Take your time
• Lift smoothly, avoiding jerky movements
• Stretch before lifting heavy objects
• Store heavy materials at waist height when possible
• Have heavy materials delivered as close to the final destination as possible
• Before lifting, determine the best place to grip the material
• Ensure your intended path is free of clutter and slipping hazards
• Use carts, forklifts, or dollies when appropriate
• Ask for help from another worker 

NOTE: "Back belts are not recognized by OSHA as effective engineering controls to prevent back injury. While they may be accepted by individual workers because they feel as if they provide additional support, the effectiveness of back belts in the prevention of low back injuries has not been proven in the work environment." 

Save More on Contractor Insurance!

Another way to save on Contractor Insurance is to work with one of the experienced agents at American Insuring Group, who specializes in Contractor Insurance. We can ensure you have the best coverage for your specific needs. And as independent agents, we will compare the cost of that coverage with several insurance companies to ensure you pay the lowest premium for solid coverage.

So call us at (800) 947-1270 or (610) 775-3848, or connect with us online to start saving on Contractor Insurance costs today!

To lower Contractors' Insurance costs, you need to reduce the number of accidents and subsequent claims. In other words, you need to create safer worksites. Unfortunately, construction sites are filled with hazards - power tools, heavy equipment, etc. – and potentially unsafe conditions. 

Toolbox Talks, defined by Harvard as "an informal group discussion among employees of an individual department that focuses on a particular safety issue," is one way to create a safer worksite and lower Workers' Compensation (and other) costs. You can choose many safety topics for your Toolbox Talk, but one crucial topic is "How to Recognize and Report Unsafe Conditions." 

First Step

First, you must create a workplace where employees feel comfortable reporting potentially unsafe conditions. Here's why. 

Studies have found that nearly 50% of employees did not report a safety issue to their supervisor. The reason? Some employees didn't feel comfortable reporting a potential issue – some even felt it was unsafe. In addition, some employees didn't feel it was their responsibility or that nothing was done when safety hazards were reported in the past. 

It is your responsibility to develop a culture of safety, to encourage your employees to report potential issues, and to make them feel safe doing so. It is in your best interest and theirs because it can minimize accidents and injuries, create happier, more engaged employees, and help prevent litigation and lawsuits against your company. 

Furthermore, ensure you have a straightforward process for reporting potentially unsafe conditions that you communicate to your workers. 

Most Common Hazards on a Construction Site

The following list includes the four most common workplace hazards according to Occupational Safety & Health Administration (OSHA). According to the U.S. Bureau of Labor Statistics (BLS), more than 500 deaths could be prevented each year if the hazardous conditions leading to the Fatal Four were improved, making it a great place to start a Toolbox Talk about Recognizing unsafe conditions.

• Falls – Fall-related accidents are the most common cause of construction-related fatalities. This includes slipping or tripping, leading to falls and falling off ladders, roofs, scaffolding, etc.
• Caught-In or -Between – Examples of this type of hazard include cave-ins, being crushed between shifting objects or being pulled into or caught in machinery equipment.
• Struck-By – According to OSHA, this type of injury "is produced by forcible contact or impact between the injured person and an object or piece of equipment."
• Electrocution – OSHA states, "Electrocution results when a person is exposed to a lethal amount of electrical energy." It can occur when workers are exposed to burns, electrocution, arc flash, fire, or explosions.

OSHA offers an in-depth training program regarding these four Hazards. 

Recognizing Unsafe Conditions

Many accidents related to these and other hazards are preventable by increasing awareness and showing workers how to recognize unsafe conditions. Here are a few unsafe conditions workers should be aware of:

• Spills that aren't cleaned up
• Clutter
• Over-stacked loads
• Glare or shadows
• Unprotected edges
• Lack of signs cautioning workers about unsafe conditions, such as slippery surfaces
• Insufficient fall protection
• Unstable or unavailable scaffolding
• Faulty or unsupportive ladders or ladder misuse
• Failure to routinely inspect the equipment
• Poorly maintained equipment
• Frayed or damaged wires
• Unprotected power lines
• Power supplies that are not grounded
• Someone inspecting or repairing equipment that is not de-energized
• Using too many extension cords
• Lack of proper lockout/tag-out procedures
• Insufficient communication regarding safety
• Lack of appropriate PPE
• Lack of adequate safety training
• Lack of the right equipment to move heavy materials

 Call Us to Lower Your Contractor Insurance Costs!

The agents at American Insuring Group specialize in Contractors' Insurance, so we can ensure that you have the right insurance coverage to protect your business. In addition, as independent agents, we can ensure you pay the lowest premium for that coverage. Contact us at (800) 947-1270 or (610) 775-3848, or connect with us online and start saving on Contractors' Insurance today.

Have you ever thought about why you purchased Contractors Insurance? It may have been to protect your business, equipment, employees, and more. It may have been required – by law, a customer, etc. Whatever the reason, everyone wants to get the most they can out of their insurance.

Check out these 7 tips to discover how to get the most out of your insurance coverage.

Identify Risks and Determine Response Strategies

First, you need to identify your risks, determine which could have the most significant impact on your business, and decide on your response strategies, which may include one or more of the following:

• Avoidance – If you determine that a project is too risky or your business is not equipped to handle the risk, you may decide to decline the project or change the scope of the work.
• Transference – Sometimes, you can transfer the risk to a supplier, subcontractor, or insurance carrier.
• Mitigation – Mitigation is the act of reducing the severity, seriousness, or painfulness of something. For example, providing a safer worksite will help mitigate safety risks.
• Acceptance – Sometimes, you may be willing to accept a potential risk and develop a contingency plan as a workaround. 

Mitigate Risk

Mitigating risk – and thereby reducing the number of claims – is one of the best ways to lower insurance (and other) costs. American Insuring Group offers many blogs to help, such as 10 Hand and Power Tool Safety Tips, How to Minimize and Protect Your Construction Company from 3 Top Risks, and Choosing Appropriate PPE for Construction Workers. 

And the good news is that mitigating risk also leads to more productive employees, happier customers, a better business reputation, and a healthier bottom line. 

Understand Your Insurance Policy

We realize that most people do not find reading their insurance policy a fun activity, but it's a must if you want to get the most out of your coverage. You need to understand what your policy does and does not (exclusions) cover so that you can compare any gaps with your response strategies and available cash flow. You may need to purchase an additional policy, add an endorsement to extend your coverage, or consider an umbrella policy to increase your current policies' limits. 

You should also understand your deductibles and ensure that you have enough available cash flow to cover those deductibles if you make a claim. 

Combine Policies

It is tempting to shop around and find the lowest premium on each of your policies, but you will often find more savings by combining your policies with one company. The independent agents at American Insuring Group will compare the cost of your policies with multiple insurance companies to ensure you pay the lowest premiums. 

Review Your Policies Regularly

You know the old quote, "There is nothing permanent except change," and this is certainly true in business. You may buy or sell a piece of equipment. You may increase or decrease the number of employees. All of these changes can affect your insurance coverage and premiums; therefore, regularly reviewing your policies is the only way to ensure that you have the right coverage at the lowest cost. 

Advertise Your Insurance Coverage

Advertising your insurance coverage – on your website, social media profiles, truck advertising, etc. – shows that you are a professional and can help get more customers. You should be happy to provide your customers with a certificate of insurance as proof that you have insurance coverage that will pay for any injuries, damage, etc. 

Work With an Experienced Insurance Agent and Save!

The independent agents at American Insuring Group specialize in Contractors Insurance and can ensure that you have the right coverage for your needs. Plus, as independent agents, we check with multiple insurance companies to ensure you pay the lowest price for that coverage!

So give us a call today at (800) 947-1270 or (610) 775-3848, or connect with us online.

One of the best ways to lower Contractors’ Insurance (and other) costs is to create safer worksites. But unfortunately, construction sites are filled with many hazards. In fact, according to the Occupational Safety & Health Administration (OSHA), “About 20% (1,061) of worker fatalities in private industry in calendar year 2019 were in construction – accounting for one in five worker deaths for the year.” 

Fortunately, you can take steps to minimize risks, and the first step is to identify potential hazards. 

10 common construction site hazards and tips to reduce their impact on your business: 

1. Falls from heights – “In 2019, there were 401 fall fatalities out of 1,102 total fatalities in construction,” according to the Centers for Disease Control and Prevention (CDC). “Falls are a hazard found in many work settings, but construction has the most fatal falls out of all industries and represents 51% of all falls nationally.” Some causes of falls include unsecured scaffolding or ladders and a lack of guardrails or safety nets.
   
   
2. Being struck by moving objects - Construction sites are filled with many moving objects – vehicles, equipment, materials, etc. Being struck by an object is one of OSHA’s Fatal Four, accounting for approximately 10% of all construction worker deaths. Poor lighting, too little space to maneuver, and working too closely can cause injuries from moving objects.
   
   
3. Slips and trips – According to the CDC, “27% of the 888,220 nonfatal work injuries resulting in days away from work in 2019 were related to slips, trips, and falls.” Slips and trips can be caused by wet and slippery surfaces, uneven surfaces, etc. Most are easily prevented.
   
   
4. Noise – Loud noise can cause a significant distraction and permanent hearing loss.
   
   
5. Vibrations – Using tools such as drills, jackhammers, and chain saws can cause Hand-arm vibration syndrome (HAVS). “About 2 million U.S. workers are exposed to hand-arm vibration, and as many as half will develop HAVS, one expert says,” according to Safety and Health Magazine.
   
   
6. Manually moving materials and equipment – Incorrectly lifting, moving, and handling materials or equipment can cause severe injuries, such as Musculoskeletal Disorder (MSDS).
   
   
7. Asbestos – While asbestos only becomes a problem when damaged, it causes an estimated 255,000 deaths annually, according to the National Library of Medicine.
   
   
8. Electricity – Electricity is an essential part of any construction worksite, but it can also cause severe injuries and even death. Electrical accidents can occur from contact with overhead or underground power cables, damaged tools or equipment, inadequate wiring, overloaded power boards, and improper insulation.
   
   
9. Airborne materials – Invisible and fine dust material caused by cutting concrete, woodworking, and more are prevalent at construction worksites, and prolonged exposure to it can lead to illnesses such as asthma, lung cancer, emphysema, etc.
   
   
10. Excavation/trench collapse – Collapses are all too common on construction sites. In 2020 alone, at least 21 workers died in trench collapses. The leading cause is inadequate cave-in protection.

 4 Tips to Minimize Risk

You can take steps to minimize the risk of injury caused by any of these hazards. Some are specific to the threat, such as providing adequate cave-in protection to avoid collapses or implementing a lockout tagout system to prevent electrical injuries. 

Below are four steps that can be taken to minimize the risk of many hazards:

1. Training – Safety training helps employees recognize and avoid potential hazards at the workplace.
2. Proper PPE – To create a safer work environment, appropriate personal protective equipment (PPE), such as hard hats, safety glasses, and gloves must be provided. In addition, employees need to be trained on the proper use of PPE.
3. Work Area management – Work area management includes keeping pathways clear of debris and hazards, providing safety nets or guard rails where needed, ensuring that equipment and tools are kept in a secure area after use, and ensuring spills are immediately cleaned up, etc.
4. Proper maintenance – Equipment that is regularly repaired and maintained in excellent condition helps avoid injuries.

Lower Your Contractors Insurance Premiums

Creating a safer worksite and working with the right insurance agent can lower contractors insurance premiums. The independent agents at American Insuring Group specialize in contractors insurance and check with multiple insurance companies to get you the right coverage at the lowest price.

So start saving today. Call us at (800) 947-1270 or (610) 775-3848, or connect with us online.

Want to save on Contractors Insurance and other operating costs? Create a safer work environment. Want to have higher employee morale and lower employee turnover? Create a safer work environment. Want to develop a healthier business and bottom line? You guessed it - create a safer work environment!

But how do you create a safer work environment? One crucial step is providing effective toolbox Talks (Aka safety meetings).

What Are Toolbox Talks?

are short safety meetings that “help workers recognize and avoid unsafe working conditions.” Typically, these meetings are short (10-30 minutes), informal, onsite meetings held at the beginning or end of a shift or workday that focus on a different safety topic each time.

Often, these meetings are held monthly. However, an Associated Builders and Contractors (ABC) report found that companies that hold daily toolbox talks reduced total recordable incident rates (TRIR) by 85% compared to those that held monthly meetings.

Successful toolbox talks are not monologues but interactive meetings that provide useful information and allow workers to ask questions, provide feedback, and participate in the discussion. After all, they’re the ones actually doing the work.

And don’t forget to document every meeting – the topic, date, trainer, employees present – and keep it on file. “One of the most frequently cited OSHA standards maintains that it’s the employer’s responsibility to train employees regarding all workplace hazards and their appropriate safeguards,” the Society for Human Resource Management (SHRM) states. “Documentation is the only way to prove to OSHA that this training has been completed…”

Toolbox Talk Topic Ideas for Spring

There are many topics you can address at Toolbox talks, but they should of course be timely and relevant to your workers. Here are five topic ideas for spring: 

1. Hail Safety – If you live or work here in Berks County, PA, you probably remember the hailstorm of 2014. As the local TV station said, “It all started May 22, 2014. Storm clouds appeared out of nowhere and then chunks of ice rained down over Berks County.” Thousands of cars and homes were damaged by the storm, which reminded us all just how dangerous Mother Nature can be. Any storm can be dangerous to someone working outside, and hailstorms come with unique hazards that employees working outside should be aware of.
   
   
2. Heat Exhaustion - As the temperature continues to rise, so do heat-related illnesses among construction workers. Heat exhaustion is the most common heat-related illness and can occur when a person is exposed to high temperatures for several days without adequate fluids. According to the CDC, “From 1999 to 2010, 8,081 heat-related deaths were reported in the United States” and “Almost all heat-related deaths occurred during May–September (7,621; 94%) …”
   
   
3. Heatstroke – Left untreated, heat exhaustion can become heatstroke, which is the most severe heat-related illness. It is a serious and life-threatening condition that requires immediate medical attention. Therefore, workers should be trained on the risks of heat-related illnesses and how to avoid those risks. They should also be able to recognize the signs and know how to treat them.
   
   
4. Protective Outerwear – Wearing the right protective outerwear for different seasons and for different tasks helps keep workers safe. Workers should understand what type of protective outerwear is needed to keep them safe.
   
   
5. Protecting the public – If construction occurs in an area that is frequented by the public, extra precautions – such as barriers or safe walkways - need to be taken to avoid accidents that can cause injury to people passing by.
   
   

Lower Contractor Insurance Costs the Easy Way!

In addition to creating safer worksites, working with the right independent insurance agent can also help lower Contractors Insurance costs. The independent agents at American Insuring Group specialize in Contractors Insurance and work with many insurance companies to find you the lowest premiums.

Give us a call today at (800) 947-1270 or (610) 775-3848, or connect with us online.

Managing risk can have a significant impact on your bottom line, including your Contractor Insurance costs. If you’re in the construction industry, you understand that there are plenty of risks to manage – injuries, theft, missed deadlines, etc. Risk management is the process of identifying and evaluating the risks your business may face and determining procedures to minimize the impact of those risks. 

Effective risk management helps provide confidence, streamline operations, enhance safety, and protect your business. In addition, a risk management plan helps ensure that everyone on your team is on the same page, and it helps lower insurance costs. 

Four steps to developing a risk management plan for your construction company:

1. Identify the Risks

Common risks construction companies face include safety, financial (lack of sales, cash flow, etc.), legal, project (delays, poor management, etc.), and environmental (floods, storms, etc.). However, every business and project has its own unique set of risks, and it’s imperative to identify risks relevant to your company and your current project. 

2. Prioritize Risks

As we said earlier, every business has its own unique set of risks. What may be a concern for your business may not be for another construction company. Therefore, once you’ve identified all of your risks, you need to prioritize them. To do so, look at 1) how probable each risk is and 2) what impact each risk would have on your business. Those risks with the highest probability and the greatest impact should be considered a high priority. 

3. Determine Response Strategies

Once you’ve identified your risks and which risks are the most probable and could have the highest impact on your business, it’s time to determine strategies to respond to those risks. There are four potential responses:

• Avoidance – If you determine that a project is too risky or your business is not equipped to handle the risk, you may decide to decline the project or change the scope of the work.
• Transference – Sometimes, you can transfer the risk to a supplier, subcontractor, or insurance carrier (see below for examples).
• Mitigation – Mitigation is defined as the act of reducing the severity, seriousness, or painfulness of something. For example, providing a safer worksite will help mitigate safety risks.
• Acceptance – Sometimes, you may be willing to accept a potential risk and develop a contingency plan as a work-around. 

4. Create a Risk Management Plan

A risk management plan is a written document that provides information to team members. It includes your risk assessment, strategies, monitoring and reporting, contingencies, and responsibilities. 

• Involve Team Members All stakeholders must understand and buy into the risk management plan to work.
• Create Contingencies and Revise For the risks that you have determined are acceptable, you need to create a contingency plan – What will you do if you need to face that risk?
• Communicate & Monitor Ongoing communication, monitoring, and updates are crucial to the success of a risk management plan. 

Insurance and Risks

As we mentioned earlier, the right insurance allows you to transfer certain risks to a third party. However, insurance policies should be looked at as a safety net. 

For example, it’s usually wiser to provide a safer work environment to minimize employee injuries than to deal with lost workdays, lower employee morale, potential lawsuits, and higher insurance premiums - even if you have the proper insurance to cover the financial losses of an employee injury. 

Here are three examples of how Insurance can be used as a safety net:

• Injuries If an employee is injured on the job, Workers’ Compensation – which is required by law in PA – provides wage-loss and medical benefits. If a visitor to the worksite is injured, General Liability Insurance will help cover medical expenses and legal costs if a lawsuit is filed against your business.
• Physical Damage If your tools are stolen, a piece of equipment is damaged, or someone vandalizes your office, there are insurances – such as Commercial Property Insurance and Builders Risk Insurance - that help pay the cost to repair or replace those items.
• Faulty Work If a client sues you for design errors or omissions, Professional Liability Insurance helps cover your legal costs 

The Easiest Way to Save on Construction Insurance

The easiest way to lower your construction insurance costs is to work with one of the experienced agents at American Insuring Group. Not only do we specialize in Contractors Insurance, but we also research insurance plans from multiple companies to find quality protection at the lowest price.

So give us a call today at (800) 947-1270 or (610) 775-3848, or connect with us online.

Sprains and strains – known as musculoskeletal disorders (MSDs) - are costing construction companies millions of dollars every year in higher Contractor Insurance costs, lost workdays, and sometimes the permanent loss of good workers.

MSDs include back, shoulder, knee, and other musculoskeletal problems. They are one of the most common injuries in construction, accounting for one-third of all lost workday injuries and half of all workers' compensation claims, according to Laborers' Health & Safety Fund of North America.

In fact, approximately 30% of construction workers report lower back pain. For those workers over 55, that rate increases to 60%. Arthritis and joint pain are also common issues with construction workers – especially as they age. In addition to age, obesity, smoking, and poor physical fitness can increase the risk of an MSD-related injury. Working with the pain of an MSD-related injury reduces productivity and can lead to a disabling injury that permanently ends a construction worker's career.

The high number of MSD-related injuries probably comes as no surprise since construction involves a lot of heavy lifting and carrying of heavy objects. The three main risk factors for MSD-related injuries are excessive force, repetitive motion, and ongoing awkward work position. While you can't eliminate all MSD-related injuries, there are several steps you can take to minimize the risk.

Construction sites are filled with hazards/risks that cause injuries and fatalities, increasing both direct and indirect costs, such as lost workdays, lower employee morale, and higher Contractor Insurance premiums.

"Construction is a disproportionately costly industry, accounting for only 5.2% of all private industry employment in 2002 (BLS 2006) but 15% of all private industry injury costs," according to National Center for Biotechnology Information (NCBI). "Construction injuries cost $11.5 billion, with $4 billion in fatalities (40%) and $7 billion in nonfatal injuries, primarily driven by cases with days away from work."

So, wouldn't it be wise for contractors to use every available tool to reduce risk and lower the number of onsite injuries and fatalities? Technology is one of those tools. Here are four ways that technology can simplify risk management and keep construction workers safer.

Streamline Safety Processes

Digitalizing safety procedures eliminates paper-based documents, forms, reports, etc.; saves time and money; improves productivity; shows your employees and OSHA your organization's commitment to safety; and helps your organization remain compliant with state and federal safety regulations.

For example, mobile apps can collect data, improve communication, and help reduce risk. Cloud-based technologies allow users to make changes that all users can immediately access. You can also integrate automation to help improve workflow and minimize the risk of human error.

Improve Training

Safety training is crucial to creating a safer worksite (and lower insurance rates), and technology can help increase awareness, quickly share information, and make it easier to track safety training. In addition, digital solutions allow you to customize training and track compliance.

Technology can improve toolbox meetings by allowing you to hold meetings virtually, record sessions, track attendance, and generate PDFs. In addition, Digital tools can engage workers and celebrate safety achievements to improve worker morale and shine a spotlight on the importance of safety.

Protect Workers

According to a U.S. Chamber of Commerce report, 83% of contractors believe that wearable technology would be useful to improve onsite safety. Wearable technology comes in many forms:

• Smartwatches that monitor health and activity, detect falls and send alerts, and enable hands-free communication.
• Smart boots that detect pressure from shocks and falls and sense location.
• Smart hats that monitor fatigue, prevent microsleeps, detect collisions.
• AR glasses that can detect leading edges, identify hazardous material, and display safety protocols.
• Smart monitors can track core body temperature, detect harmful gases, and improve contact tracing.
• Exoskeletons provide lift support, posture correction, weight dispersion, and more to minimize strain and injuries.

Drones can be used to inspect structures, identify potential hazards, ensure that employees are working safely, and quickly identify changing work conditions. Drones allow workers to perform inspections, often performed at great heights, remotely while staying safely on the ground. Drones may even be used to alert workers to gas leaks and to transport tools and equipment.

Predict the Future

There's no denying that new technology can generate tons of data that can be analyzed and provide valuable insight. The data can be used to determine trends, identify potential problems, and prevent future injuries.

How to Save Even More on Contractors Insurance!

American Insuring Group has agents who specialize in contractors' insurance and understand the industry's unique challenges. Plus, as independent contractors, our agents compare the cost of your insurance with several companies to ensure you pay the lowest price on all of your insurance needs.

Give us a call today at (800) 947-1270 or (610) 775-3848, or connect with us online.