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Posts Tagged ‘construction insurance’

Recent Storms Demonstrate Why Builders Risk Protection is Important

Building during hurricane season carries risks for entrepreneurs and construction companies. Storms tear into construction sites ravaging materials and destroying site preparation. Beyond the physical toll, construction companies shoulder extra staffing, transportation, and other costs due to delay. Construction continues year-round, regardless of hurricane season. Each year, builders take a gamble projects will safe from major storms. Builders risk insurance protects residential and commercial construction projects from damages caused by storm activity.

Often, the language in a builders risk plan is specific to an insurance agency. Standardized insurance formats for builders risk plans have yet to take hold, making these plans difficult to understand. This leaves many entrepreneurs and builders in a lurch if insurance claims are filed. Many claimants receive less compensation than owed. This is due to confusing policy language and coverage on most builders risk plans.

Builders risk protects projects under-construction. This includes protection for plans, materials, tools and more. If a claim is submitted there are a number of steps the insured is expected to take. Rigid timelines, complicated paperwork and more create hurdles for filing in the requisite amount of time.

Builders Risk Insurance: Claims

Filing claims correctly and on-time helps avoid unnecessary claim denial or delay in compensation. To increase chances for compensation without delay or rejection, here are 5 steps for filing a builder’s risk insurance claim:

1. Understand the Builders Risk Policy

Insurance policy paperwork grows in size with each added layer of protection. Arrange proper coverage with an agent and review all policy materials. A solid understanding of coverage protection, policy limitations, claims processes and timelines all help expedite the claims process.

2. Build an Insurance Claims Team

A designated team of individuals dedicated to insurance matters expedites the claims process. Persons educated on processes, language and timelines for filing builders risk claims are better able to react to damages. Teams may include members from legal, accounting, management sections and more. Train teams to respond to insurance matters and improve chances for the effective filing of claims for compensation payout.

3. Create a Single Point of Contact

Insurance claims are legal matters where the right language matters. Create a single point of contact on the claims team for communicating to the insurance agency. Insurance agencies take statements into effect deciding claims; ensure statements are controlled. Including legal counsel for representatives creates additional protective layers.

4. Thoroughly Record Losses

On a builders risk insurance claim, the details matter. Record all losses regardless of size. Independent experts are a valuable resource for thorough inspection of potential losses. This helps capture all potential insurance payouts for both hard costs and soft.

5. Contact Insurance Carriers Promptly

Builders risk policies created by local agencies often bundle services from several carriers for complete protection. Each of these carriers extends coverage for specific risks, shouldering a percentage of claim responsibility. For claims filing, contact each carrier promptly and begin the claims process.

Unexpected weather wreaks havoc on construction projects of all sizes each storm season. Builders risk insurance protects from losses due to hurricane and storms. To find the right builder’s risk policy talk to an insurance agent. Builders risk policies are tailored to fit. A local insurance broker has the best perspective on coverage necessary in your area. Contact an agent today and discover all the layers of protection available under builders risk insurance.

Have questions related to personal and business insurance matters? An article topic to suggest? Contact an agent today!

Making Workers Safe With Guardrails

Construction sites are active environments. Active transfer of people and materials creates the potential for anything to happen. Site safety is a regulated industry. Safety standards and guidelines in place by OSHA and the International Code Council help maintain site and worker safety

These agencies recommend safety measures developed following years of real-world learning. In the early 1990’s, builders discovered gaps in standardized building safety ordinances. By 1997, the ICC published the first international safety guidelines: the International Building Code (IBC). Alongside OSHA, these agencies set the standard for construction site safety measures.

ICC and OSHA regularly publish standards recommending guardrails on construction sites, keeping workers safe. These safety standards help keep workers safe and reduce insurance costs:

1. Guardrails for Construction Sites

Guardrails help prevent falls on construction sites for workers and visitors. Builders can seal-off areas and secure open walkways for safety. Construction guardrails are for securing:

  • Platforms
  • Stairs
  • Rooftops
  • Pits
  • Wells
  • Materials

Guardrails are required anywhere 30 inches or more separate two walking surfaces. Per ICC and OSHA regulations, rails are to be constructed of rigid materials built to a height of 42 inches above the platform. OSHA regulations stipulate areas separated by 6′ of difference or more be equipped with guardrails or fall-protection system.

2. Construction Site Guardrail Installation

Site guardrails are subject to OSHA and ICC guidelines on proper construction. Regulations for guardrail construction protect workers and visitors. Builders employing properly constructed guardrails:

  • Keep workers safe on constitutions sites
  • Keep visitors and passerby safe
  • Keep access limited to authorized persons
  • Keep insurance rates low
  • Keep building costs low
  • Keep construction companies operationally compliant

Properly constructed guardrails built to code limit builder insurance and legal obligations. This translates to saved time and reduced costs for construction companies and builders alike. Load requirements are determined by architectural design. The forces and stress-levels specific to a site determine guardrail load limits.

3. Guardrail Load Requirements

OSHA and the ICC set guardrail load requirements for the construction industry. Load requirements may vary due to the site and architectural layout. Construction site guard rail general load limit guidelines express rails be able to support:

  • 50lbs of weight per foot
  • 200lbs of direct force, anywhere rails are present

Rails may shift during building, and wear-and-tear is a part of guardrail construction. Regular inspection of guard rails by site managers and safety personnel helps keep rails safe and compliant.

4. Staying Compliant

Construction companies and builders following the guidelines in place by OSHA and the ICC will avoid penalties and fines. Local authorities enforce construction site safety. Each governing body has authority to issue fines and other reprimands for non-compliance. Repeat violations result in increased severity of penalties. Fines may reach as high as $100,000 per violation.

Construction companies also have the moral obligation to workers for creating a safe work environment. Builders work on reputation, among other traits. Companies holding positive reputations and safe track-records are much more likely to secure bids and contracts. Safe employees can perform better knowing the site is safer, keeping building and insurance costs low.

Construction and insurance topics directly affect health and pocketbook. Topic suggestions are always welcome. Contact an agent for any insurance-related questions or for an insurance quote.

Improve Construction Workforce Management to Reduce Risk

Building and construction managers know the importance of an effective workforce. In the trades, time is money. Businesses that want success must use every resource available to maximize workforce potential. At the same time, poor management increases risk, adding to insurance costs. Effective management will help grow your business, reduce overhead, and maximize employee output. Reduce risk and increase productivity. These four methods help construction managers improve building and construction management:

1. Create Effective Processes

Information is accessible like never before. With modern technologies, you have access to real-time stats and information. Effective managers act on this information creating safe and productive work environments. Acting on this information, effective managers create documented workflow processes.

Your processes should define the safest and most-effective method for completing the work. Processes have the dual benefit of increasing productivity while reducing risk, altogether reducing overhead. Ideal workflow processes should be user-friendly and easy to use. Processes should increase your productivity – choose processes that make sense for you, and for your business.

2. Go Digital

Even small building and construction businesses have a lot to juggle. Each construction project requires hours of administrative support. Planning, resource management, people management, billing and more require dedicated time and effort. Huge companies have the benefit of billing and sales departments – then there’s everyone else.

Today, innumerable mobile and desktop solutions exist helping builders spend more time focusing on the work. Digital invoicing, resource tools, and client management ensure paperwork is never lost and projects finish on time. Move your business into the digital space and increase your productivity.

3. Maximize the Workday

Projects are expensive – time wasted is money wasted. That’s why it’s all the more shocking many construction employees spend up to 50% of the day waiting for work to begin. Improve time management on the job site and you’ll almost-automatically increase workforce productivity.

You don’t need to hire an outside consultant. A glance at your how your employees spend their time can show ways for increasing efficiency. Look for ways to reduce time spent on:

  • Workday planning
  • On-site travel
  • Material procurement
  • Tool unloading
  • Site preparation
  • Site cleanup, and more

As with processes, streamlining job-site activity reduces chances for mishap due to employee error.

4. Communicate!

Communication is the cornerstone of an effective workplace. Construction and building managers can use the following communication strategies for improving workplace efficiency:

  • Encourage collaboration. Employees should feel comfortable sharing ideas with each other. Different perspectives may offer new solutions not yet considered.
  • Communicate clearly. Be clear about tasks, goals, and processes with employees. Construction employees should know their roles and accompanying expectations. Employees should know established processes for the job site and projects.
  • Encourage feedback. Your employees are at the ground-level, so to speak. On the job site, they may notice a process in need of improvement, or an unsafe condition. Employees should feel comfortable communicating with management about workplace safety and efficiency.

Decrease risk and increase reward. Healthy communication on the job site can help avoid costly mistakes and reduce employee risk.

Increase Jobsite Productivity Today

The benefits are clear. Adopting effective management techniques pays dividends for production and reduces workplace risk. Strong construction and building managers enjoy the benefits of:

  • Reaching Goals. Achieving workplace goals on-time speaks volumes about your job site and resource management. Complete more jobs per year with sound management.
  • Managing Expenses. Every business – no matter the size – must focus on accounting. The better you manage your expenses, the more profit you stand to gain.
  • Reducing Downtime. If employees spend 50% of their day waiting to work, you could be completing twice as many projects. Manage employee downtime effectively to maximize productivity and revenue.
  • Improving Industry Reputation. Better management means better work. Better work means a better reputation. Word travels fast – clients will find you based on the reputation you build based on effective management.

We welcome information on insurance topics that affect your quality of life. If you have any questions about insurance call us for the answers!

Substance Abuse in Construction on The Rise

Construction sites might not be as safe as you think! A recent Substance Abuse and Mental Wellness Services Management survey found the building and construction industry ranks high for substance abuse. The building and construction trades ranked second-highest for substance abuse disorder. This accounts for an incredible 14.3% of construction employees between 16-64. Construction workers also ranked second-highest for alcohol abuse. Although well-intended, the 25-year-old Drug-Free Workplace Act has failed as of late.

Today, Substance Abuse Disorders (SUDs) are causing increased safety and security concerns on the job site. Recreational legalization of Marijuana in many states contributes to on-site usage. Ready access to opioids and fentanyl increase risk of incident. Most businesses use drug screening but many do not continue after hiring.

Tom Jackson wrote a two-part story about this phenomenon in Tools World. He claims in the building sector it was common for 25-35% of pre-employment drug tests to ‘fail’, according to IMRI insurance and risk management. Even when employees know they’re going to undergo a drug test, 3-5% still test positive for drug use.

Jackson included prescription medications in his concerns. The Department of Labor states alcohol and drug abuse causes up to 65% of on-the-job accidents. Additionally, alcohol and drugs are responsible for up to 50% of work-comp claims. Employees abusing illegal substances are absent from work an average five days per month. They are 10 times more likely to steal from the company or other workers, use three times the average wellness advantages, and devour 300% the average medical costs.

Drug use isn’t the only concern. A 2014 investigative report in Devices Globe followed a WABC television team based out of New York City. They found a team of building and construction employees drinking during lunch breaks. This occurred at four different locations, on three separate occasions. Some workers observed were responsible for running cranes and other heavy machinery. Industry response was immediate. The construction company fired several of the employees. Across the industry, officials demand mandatory alcohol testing.

President Trump and Attorney General Sessions have declared war on opioid use in the United States. Janet Yellen, Chair of the Board of Governors of the Federal Reserve System, testified before the US Senate Financial Committee. She worries about the rise in opioid deaths in the US, a developed nation, particularly among less-educated men. On opioid use, Fast Company recently released an article focusing on a powerful new drug: Fentanyl. The article demonstrated the damage Fentanyl causes across the United States even now.

Some may think that it’s too little and too late for the building and construction sectors. While we don’t agree, we think it’s time to address the safety concerns dedicated managers want. Stay ahead of substance abuse issues in the workplace to avoid liability and safety issues.

We are constantly on the lookout for information to better your health and your wealth. If you have any insurance-related questions contact us today.

New Construction Safety Helmets Coming

Hard hats have long been a staple safety item for the construction industry. For years, builders and tradespeople have relied on traditional construction hard hats to keep them safe – but things are changing. Bloomberg BNA recently released a report highlighting an increased interest in new, high-tech construction safety gear. More construction companies are switching to helmets of a new design, reducing the risk of workplace injury. These helmets protect employees from dropped objects, flying debris, and offer protection from falls. These types of accidents are the chief causes of traumatic brain injuries (TBI) among construction employees.

A report based on government data uncovered over 2,200 cases of TBI among workers in the building and construction industries between 2003 and 2010. For every 100,000 construction employees, 2.6 would die from a workplace accident. Most injuries were a result of dropped items or materials. Workers aged 65 and above suffered the highest risk for injury. Employees in working in steel and iron reported a higher number of TBI cases.

The new construction helmets (called ‘headgear’ by the wearers) have an advanced design. The design includes suspension bands within in the helmet, creating about an inch of space between the wearer’s head and the hard surface. These features serve a dual purpose:

  • Cushion the impact of a fall from a height
  • Absorb the effect of any object that might hit or fall on the worker’s head.

Helmet weight is evenly distributed across the wearer’s head making the headgear more comfortable and offering more protection against impacts on the head.

According to the Bloomberg report, the inspiration for the design came from equipment used in mountain climbing. Mountain climbing is very dangerous, and climbers need serious protection. Their helmets offer protection against accidents, falling rocks, and long falls. Construction companies find this design translates very well for building industry safety.

The idea to equip builders and construction workers with better safety equipment is not new. Employee safety and protection is the priority of the National Institute for Occupational Safety (NIOSH) and has been since the 1970s. Since then, the NIOSH has conducted many studies on helmet safety. NIOSH engineer Christopher Pan noted in a report that safer helmets are a major concern for all building trades. Pan stated it was time safety features rooted in science, physics, and medicine influence helmet design. to the helmet. Pan’s concerns are for the employee, he believes construction workers have a right to safe equipment. He challenges regulators and safety advocates to demand the new headgear, forcing companies to follow suit.

The law is on the side of the employee. The Occupational Safety and Health Administration (OSHA) regulates safety equipment enforcement. Construction sites are dangerous. Employees on the job site risk falling and flying objects, falls, impacts, burns and more. OSHA requires these employees wear safe and secure helmets for their protection. Their helmet MUST meet or surpass the standards set by the American National Criteria Institute.

We always keep a lookout for great information about insurance topics that can influence your health, and your pocketbook. If you have any insurance related questions, please be sure to contact us.

Helping Construction Workers Beat The Heat

During the hot summer months, construction moves into overdrive. Workers in this industry are grateful for the work… and may be quietly struggling with the heat.

If they’re not careful in hot weather, construction workers can suffer dehydration, muscle pain, and heat stroke. That’s for starters.

To help out, here are some tips by Mike Flynn a health and safety expert…

  • Flynn stated that construction employees need to be trained to look for signs and symptoms of overheating. The most common symptoms include paleness, unsteadiness, and excessive sweating.
  • Heat can also cause workers to shed their protective gear which can be dangerous when working in construction or next to traffic. Workers need opportunities to remain hydrated and extra monitoring to ensure proper safety protocols are followed…
  • Workers may also lose concentration while on the job due to the high heat conditions. Flynn noted this and strongly advises construction company owners and managers to be as sympathetic as possible to outdoor workers.

For employees who have not been trained on staying safe in extreme weather conditions, Flynn encouraged folks to download the OSHA Heat Safety App so that they could come to work better prepared. (Check it out here: https://www.osha.gov/heat/)

This application lists the daily heat index and also has precautions that people should take in order to stay safe when outside.

In addition the resources offered by OSHA, it’s also a good idea to start the work day as early as possible. This will reduce the amount of time spent working outside at the hottest part of the day. Additionally, make sure to drink water constantly throughout the day and wear a wide-brimmed hat in order to limit the amount of direct UV exposure.

For other risk management thoughts to help keep your worker’s comp rates as low as possible, be sure to reach out to us. We love to help!

Dealing With Suspension Trauma

Envision this situation: A building employee is changing shingles on the roof covering of a two-story house 20 feet over ground. He loses his ground as well as slides, diminishing the roof covering. He’s using a fall-arrest system, and also consequently is saved from fatality.

Yet he’s not unharmed yet.

This worker can potentially experience orthostatic intolerance– additionally typically described as suspension trauma.

Just what is it?

OSHA explains suspension injury as “the advancement of signs and symptoms such as light-headedness, bad concentration, palpitations, tremulousness, exhaustion, nausea or vomiting, wooziness, frustration, sweating, weakness and periodically fainting during upright standing.”

After a fall, an employee might remain suspended in his or her harness prior to being saved. Depending upon the length of time the employee stays suspended, the continual stability could lead to unfamiliarity and even death. This is because of “venous pooling,” a problem that takes place when a person’s legs are stable as well as blood swimming pools in the legs, decreasing the amount of blood distributing in the body.

OSHA keeps in mind that the body reacts to venous pooling by quickening the heart price in an attempt to keep adequate blood circulation to the brain. If a person’s blood supply is considerably minimized, this won’t be effective as well as the body will after that “suddenly slow down the heart rate and also blood pressure will diminish in the arteries.” In severe situations of venous merging, an individual could faint or experience kidney failure, which can be fatal.

Move fast

Speed is crucial after an employee experiences a loss. Suspension in a fall-arrest tool can lead to unconsciousness and also death in less than 30 minutes. Inning accordance with OSHA, workers who use fall-arrest tools or that might execute rescue activities must recognize:

Ways to determine whether their personal protective tools is appropriately used and fitted

Just how suspension injury might happen, along with its signs and symptoms

How you can use suitable rescue treatments and techniques to reduce threat while put on hold

Diesel Exhaust Dangers

Equipment that runs on diesel is quite common in a number of industries. This includes construction sites, mining, farming, maritime and several other such sectors.

Workers in these areas are exposed to a great deal of carcinogen exhausts from such machinery. This is typically in the case where machines are not properly handled and maintained.

Emissions from such equipment are made of “Diesel Particulate Matter”. ,This is a substance that “is made of soot and is comprised majorly of metallic particles, ash, carbon, silicates and sulfates” according to OSHA.

The International Agency for Research on Cancer (IARC), classified exhausts from diesel machinery under “Well-known Hazards for the Human Health” in 2012.

Even temporary exposure to exhausts and emissions from diesel equipment can lead to issues. These include constant headaches, dizziness, and irritation in the eyes, nose & throat. Long-term exposure could cause the development of more serious issues. These include breathing conditions, cardiopulmonary and cardio conditions, and even lung cancer.

Given the health threat, managing the exposure to such emissions is highly necessary.

First, make sure there is adequate supervision in place to limit the exposure of any workers. OSHA further suggests that equipment receive regular maintenance. It also suggests aging equipment be swapped out for cleaner burning engines. These should be equipped with better air filtration systems.

Second, be sure adequate safety controls are in place. For example, creating “Off-limit” areas is a great way to limit the pool of people at risk for exposure. Likewise, limit the times when machines are running so the fewest workers are around when the machinery is operational.

Smart preventive measures like these can reduce the exposure to diesel exhausts to a great extent. Plus, they can be implemented in a way that still allows a team to work at maximum efficiency.

A side benefit: By limiting diesel exposure you can help reduce workmans’ comp claims. You’ll maximize worker availability. You’ll also have a positive impact on your overall operational costs.

The Hazards of Scaffolding

Structure scaffolding for work projects could provide many serious threats to employees. Inning accordance with OSHA, injuries connected to scaffolds include falls, tip-overs, being struck by falling tools, and entering contact with energized high-voltage line.

To ideal stay secure while building as well as using scaffolding, OSHA recommends a selection of tips:

Always utilize footings that are level, rigid as well as able to sustain lots without settling or moving.

Securely plumb and also support tools in order to help protect against persuading and dislodgment.

Plumb and also degree the scaffold as you go.

Make sure all connections as well as couplers are safely fastened before going on in the setting up process.

Constantly comply with the maker’s directions when installing ties as well as dental braces.

Avoid blending scaffolding parts from various makers unless you make certain you can do so safely.

Location toeboards on railroaded sides to help protect against objects from dropping.

When servicing a scaffold:

Have a qualified individual evaluate the scaffold before every shift.

Check to make certain it’s secure to use. If it is noted with red tags, it’s hazardous. Never make use of a hazardous scaffold till repair works are made.

Do not overload a scaffold beyond its maximum load ability. Never use buckets, obstructs or ladders in an effort to produce more functioning height on the platform.

Do not deal with a scaffold if it is snowy, icy or slippery.

Dealing With Lead Exposure in Construction

Due to its low cost and stability, lead was commonly used in construction and plumbing until the late 19th century.
As a result, this heavy metal is still found in buildings and construction sites, especially in demolition, salvage, renovation, and even cleaning. The dangers of lead exposure and poisoning are well known and it’s important to protect workers from lead exposure in construction.
There are numerous exposure methods for workers.
* Inhalation of lead fumes or dust is common.
* Lead may even be ingested if it’s present on a worker’s hands.
* The exposure may not even stay in the construction site as lead can dust can easily accumulate on skin, clothes, tools, and vehicles.
Although the dangers of lead are based on how much a person is exposed to at one time as well as the total amount of exposure over time, some people are at higher risk for complications than others. Anyone with asthma or respiratory diseases faces an increased risk of complications with exposure to lead
To limit and prevent exposure, OSHA recommends:
* Always use appropriate personal protective equipment (PPE) such as gloves and respirators
* Wash hands and face after work and before ingesting food or liquids
* Never eat in any area where PPE is required
* Clothing or uniforms that have been exposed to lead should never be taken home.
* Wash any exposed clothes or uniforms daily using approved cleaning methods
* Watch for any signs or symptoms of lead exposure which may include abdominal pain, migraines, and loss of sensation
* When working outside, stand away from any dust
* Always use ventilation for enclosed work areas
* Always use lead-free products and chemicals when able
* Use dust-collecting equipment to decrease dust exposure
* Whenever feasible, make use of lead-free products and chemicals.
If you’re concerned about lead exposure risk, use these tips to get started and contact us to get expert advice on minimizing exposure. We specialize in helping companies understand their risk and obtain appropriate coverages to mitigate that risk. If you have any insurance related questions please be sure to reach out
to us.