The first step to any digging project is pretty simple – know what’s buried underground! This applies to contractors, road maintenance crews, telephone pole installers, fence builders, landscapers and even homeowners. In fact, anyone breaking ground should fully understand the safe digging tips outlined in this blog.

Construction Risks Insights Reduce The Risk Of Electrical Injuries – With Proper Ground-Fault Protection October 23, 2023  |   A stark reality for the construction trade is the fact that construction workers suffer more electr …

An attractive nuisance is a potentially dangerous, man-made condition that exists on a construction site, vacant site or active site after-hours that draws trespassers—including children. If a child trespasses on site due to these conditions, the general contractor on the site can be held liable for any injuries sustained.

With the rapid and nearly continuous pace of change in the construction sector, the need for specialist insurance agent/broker expertise is clear. This is not a market for generalists; contractors need consultants who can help them anticipate and take advantage of market changes as they develop.

A vacant construction site may appear on the surface to be a harmless, inactive piece of property. But the truth is, theft, trespassing, fires, vandalism or other losses are constant threats. Losses of this nature might include not only the value of damaged or stolen materials, but also the liability of an individual being injured on the property and the loss of time if a crucial piece of equipment is damaged or stolen.

Theft on a construction job site can be of particular concern as expensive materials, tools and machinery are often left in plain sight or are easily accessible to criminals. Discovering you have thousands, or even hundreds of thousands of dollars worth of equipment and materials missing from a job site is, by itself, devastating.

If you run a small business, you may be surprised to learn that the average cost of an employment-related lawsuit exceeds $270,000. More surprising is a recent study that revealed over half of all claims filed for employment-related liabilities are against employers with fewer than 50 employees. The same study also indicated that not even 2 percent of small businesses have employment practices liability (EPL) coverage.

Many contractors assume an environmental claim will be covered under their commercial general liability (CGL) policy. The unfortunate reality is that most CGLs contain pollution exclusions that leave contractors uninsured in the event of a pollution incident. Thankfully, contractors are increasingly turning to Contractors Pollution Liability (CPL) Insurance to ensure they have the right coverage in place to remain secure and profitable.

With ample public information about fall hazards widely available, preventing residential construction workers from falling off roofs should be simple. Yet, injuries and deaths continue to mount. In fact, according to data from the U.S. Department of Labor’s (DOL) Bureau of Labor Statistics, an average of 40 workers are killed each year as a result of falls from residential roofs—the number one cause of workplace deaths in construction.

As more and more American workers return to their jobs following the coronavirus (COVID-19) outbreak, businesses need to rethink their daily operations to ensure the safety of their employees and the general public. This is no different for construction firms, where multiple contractors and tradespeople on a job site may be working in the same space at any one time.

A recent survey indicated 53% of businesses in the United States reported being the victim of a cyber attack in 2019. And the forecast doesn’t look good for 2020. Cyber security experts predict an increase in cyber attacks in terms of both frequency and severity while warning that businesses of all sizes can be targeted.