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.

When conducting road construction or repair work, it’s up to roadside workers to protect the public and themselves from dangerous accidents. Unfortunately, when a motorist is confused, distracted or driving recklessly, a roadside construction zone has the potential to become deadly.

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.

In today’s business environment, safety-related costs can be the difference between reporting a profit or a loss. In fact, according to the Occupational Safety and Health Administration (OSHA), workplaces that establish safety and health management systems can reduce their injury and illness costs by 20 to 40 percent. An effective safety program can also improve productivity and increase employee morale on the road.

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.

Personal protective equipment, or “PPE,” is equipment worn to minimize exposure to hazards that can cause serious injuries. The typical construction worksite incorporates a wide range of activities including a number of potential safety hazards that require PPE every day. Simply stated, failing to use the prescribed equipment can put you in danger.

Construction sites are dangerous places to work. In fact, the injury rate for the construction trade is higher than the national average across all industries. Fortunately, when you have sufficient knowledge, preventing accidents is easier than you might think. Here are the four most common construction site hazards.

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.