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Contractors Insurance and Safety on the Job Site

The only way to stay competitive in the contracting business is by controlling costs. Everything you require, from labor to materials and equipment, must be cost-effective. This means your contractors insurance protection should be cost effective as well. Helping you identify hazards and prevent losses on the job site provides you with the tools to control your insurance costs. Preventing losses on the job site is vital Always use employment applications and check references of prospective employees. You will need to provide written safety rules and be sure to enforce them. Safety rules should be based on OSHA, or other government agency safety requirements and accepted industry practices. Areas of particular concern include:
  • Employees should have similar job experience, or be provided training in any job they may be assigned
  • Assign responsibility for safety to a supervisor or foreman
  • Hold regular safety meetings
  • Conduct periodic safety inspections
  • Review the safety practices of all subcontractors you have hired
  • Have a first aid kit on site and available
  • Post emergency phone numbers and have a phone available to summon help in the event of an emergency
  • Have fully charged, easily accessible, portable fire extinguishers
In addition it is important to provide protective equipment such as safety glasses, hearing protection and hard hats. Securing the job site will also prevent injuries You can be held liable if kids or unwanted visitors can easily gain access to the site and suffer some type of injury. Fence the site to prevent vandalism and public access to hazardous areas and control access to customers and vendors. Consider any or all of the following that apply:
  • Provide lighting when possible
  • Barricade work areas and provide warning signs near excavations and other hazards
  • Secure equipment and materials left on the job site
  • Lock tools in boxes and secure large equipment with chains
  • Limit tools and materials left on the site as much as practical
  • Store/handle hazardous materials properly
  • Follow precautions for welding and other hot work
  • Safely shield or wet combustible surfaces
  • Cease such operations at least thirty minutes before leaving the site unoccupied
  • Have procedures for reporting and investigating incidents and accidents (lessons learned even from "near misses" may help to identify ways to avoid future accidents)
  • Require proper use of ladders and scaffolds
  • Limit the exposure of adjacent properties to damage and comply with all building and environmental codes
Implementing these safety standards will allow you to better protect both, your employees and your business from possible risks and exposures. Contractors insurance New York will provide protection when the unexpected does occur.