All posts in Workers’ Comp

What Contractors Should Know About Pollution Liability Coverage

What Contractors Should Know About Pollution Liability Coverage

Contractors like you understand that the business of building comes with several operational risks. Active work zones can be dangerous due to the presence of heavy machinery, power tools and difficult conditions. You manage these risks proactively through safety planning and insurance policies that address these exposures. Common coverages include workers’ compensation and general liability. While you might think these policies are sufficient, there are other hazards to consider, such as pollution and exposure to harmful chemicals. 

Understanding Pollution Liability

With most construction projects, there’s some risk related to pollution. General liability policies usually exclude pollution and workers’ compensation plans only cover employees. An environmental spill could pose harm to owners’ representatives, third parties and other personnel. A policy for pollution liability offers these protections:

  • Third-party injury or property damage due to a spill or exposure
  • Costs associated with cleanup
  • Defense against lawsuits
  • Exposure to contaminants
  • Coverage of work by subcontractors

Pollution liability for contractors should be a part of your overall approach, not an afterthought. 

Coming Up With a Plan

When it comes to exposure to toxic substances and pollution, you need to have a plan in advance. Some clients have strict contractual requirements when it comes to pollution. A comprehensive plan protects you, your people and your business.


Potential Dangers of HVAC Work

Potential Dangers of HVAC Work

Working with tools and equipment can be hazardous. Safety is always a concern. Employees and managers must be vigilant to reduce the risk of injuries that can sometimes be severe. HVAC work can be especially hazardous. There are some common potential dangers to look out for in this field.

Climbing Ladders

Due to the nature of the work, there are several situations that often cause HVAC injuries. A fair amount of the work takes place far from the floor. Climbing ladders is a major part of the job. It’s important to make sure the ladder is secure and always maintain contact with three points: both feet and one hand.

Tight Spaces

Installing and repairing HVAC equipment often requires squeezing into tight spaces. Be cautious when doing so as this can cause back and joint injuries. Keep your spine straight and move slowly.

Electrical Shock

Connecting wires to HVAC equipment can cause electrical shocks if done improperly. These can cause severe injuries and even be fatal. Make sure the main power is shut off before connecting wires. Use the proper tools for all electrical work.

Heavy Lifting

HVAC equipment can be very heavy and lifting it can cause back and joint injuries. Always lift with proper form, using the legs and not the back. Use team lifting for very heavy objects and proper equipment for the heaviest. 

HVAC work can be among the most hazardous. Always take the proper safety precautions and be aware of your environment at all times. It can save you an injury that can put you out of work for a long time.


Labor Force Protection Through Workers’ Comp

Labor Force Protection Through Workers’ Comp

Both federal and state-level governments have taken steps to ensure that the United States’ labor force is protected from exploitation and hazardous working conditions. While there are rules governing working conditions, there have also been regulations to address workers’ benefits and wages.

The Importance of Workers’ Compensation

Under workers’ compensation legislature, eligible injured workers receive both medical care and partial repayment of lost income for injuries sustain on the job. This coverage is offered through a benefits plan, with the limitations of an application being influenced by the size and scope of the business. This coverage also protects employers from being sued by employees who were injured while working.

The Eligibility of Workers’ Compensation

There are many variables in determining eligibility for workers’ comp, though the primary factor for companies required to carry it is how many employees are on payroll. There are some smaller businesses and services that elect to carry and offer this coverage to their employees, and an FLDFS proof of coverage search would reveal which employers offer a policy.

State governments determine what coverage is required, and some states dictate where the plan must be purchased. Employers that don’t comply are exposed to heavy penalties from state authorities, as well as the financial burden of settling an accident or injury claim out of pocket. Either of these situations could be devastating for a company.