Construction

23 November 2015

Construction Insurance Tips - Learn From Health & Safety Mistakes

Written by Jon Norman, Posted in Construction

Despite the construction industry representing only 6 percent of the UK workforce, according to the Health and Safety Executive (HSE) it accounts for circa 25 percent of fatalities in the work place. 

In 2014/15 a reported 35 deaths and over 69,000 cases of injury or ill-health emanated from the construction industry.  Many of these incidents will result in either employers liability or public liability insurance claims under a Construction Insurance policy.

28 September 2015

Construction Insurance Tips - Take Care On Basement Conversions

Written by Jon Norman, Posted in Construction

The ongoing housing shortage and rising house prices has significantly increased the popularity of cellar and basement conversions.  Some of these projects can be quite complex and carry dangerous risks, increasing the potential of Construction Insurance claims.

This exposure has been recognised by the Health and Safety Executive (HSE), who are making strides in terms of increasing health and safety awareness for basement projects, in fact, the HSE has been performing periodic inspection campaigns since 2011.

16 September 2015

Construction Insurance Tips - CDM 2015 Regulations Are You Complying?

Written by Jon Norman, Posted in Construction

If you work in the building and construction industry, you will be aware that with effect from 6th April 2015, new regulations came into force to manage the health, safety and welfare of construction projects in the form of the new Construction (Design and Management) Regulations 2015 (CDM 2015 Regulations).

The reform is intended to improve on previous health and safety standards in order to reduce the risk of construction worker injury. However, rather than supplementing the CDM 2007 Regulations, the new version supersedes all the previous procedures and rules.  With this in mind, it is important that business owners or site managers working in the construction industry are fully aware of the requirements and the risk of non-compliance.

10 September 2015

Construction Insurance Tips - Why It Pays To Plan Before You Dig!

Written by Jon Norman, Posted in Construction

Damage to underground services on construction sites, either through ground-working, or other on-site digging can be a significant cause of Construction Insurance claims.

The key to safe digging is understanding where underground services are buried before starting any project. Underground services can include cables, wires, pipelines and other equipment used by telecommunication, electricity, gas or water service providers.

Building contractors, ground workers, site engineers or any other contractor looking to undertake on-site digging should ensure that they contact utility companies and service providers to find out what underground services are below or near their site, and plan their work accordingly.

01 July 2015

Construction Insurance Tips - Employee Risks Working in Hot Weather

Written by Jon Norman, Posted in Construction, Public Liability

Working in hot weather can be particularly uncomfortable for tradesman and construction workers. In extreme cases it can be a threat to your own health and that of your employees.

If you own a construction firm you are directly responsible for the safety and well-being of your workforce – should a member of your team suffer illness or injury in extreme heat, they could hold you responsible and seek financial compensation in the form of employers’ liability claims under your Construction Insurance policy.

20 May 2015

Construction Insurance Tips - How To Handle Dumper Truck Safety

Written by Jon Norman, Posted in Construction

Vehicles used at the construction site can require specific safety precautions due to the specialist nature of the industry.  When dealing with dumper trucks, driver and safety of the public needs to be your number one priority.

Should a member of the public or an employee suffer injury following an on-site accident involving a dump truck or tipper, it is likely to lead to significant claims under the liability section of our Construction Insurance.  

The following tips will help you to manage your Dumper Truck on-site safety. 

07 May 2015

Public Liability Insurance - Work at Height? Protect Those Below

Written by Jon Norman, Posted in Construction, Tradesman

Whether you work in construction, electrical contracting or telecommunications, your role may involve an element of height work, the risk of injury or damage to property through on-site accidents whilst working at height is considerable increased.

The Health and Safety Executive (HSE) report that falls from height are the most common cause of death and serious injuries in the construction industry.  Should a member of the public suffer injury or damage to property, for example, from a dropped hammer, then you could receive a significant claim under your Public Liability Insurance policy. 

20 April 2015

Construction Insurance Tips - Practising Scaffolding Safety

Written by Jon Norman, Posted in Construction

According to the Health and Safety Executive (HSE), falls from height represent the biggest single cause of workplace fatalities in the construction industry.  Interestingly, the proportion of incidents is significantly skewed towards smaller projects.

Over 60% of deaths from height work involve falls from roofs, ladders or scaffolding.  As such, it is vital that construction firms pay particular attention to site safety when using scaffolding to avoid injury to employees or members of the public.  Claims under the liability element of your Construction Insurance from these incidents can be significant, leading large losses and associated premium increases.

24 March 2015

Construction Insurance Tips - How To Avoid Electric Shocks

Written by Jon Norman, Posted in Construction

As you and your employees carry out your work many construction jobs will involve the use portable power tools and you may not always give much thought about the hazards electricity can pose. That is why it is so important to take the proper safety precautions at all times to avoid on-site accidents.

Should one of your employers suffer an injury through an electric shock, they may hold you responsible for being in breach of your duty of care as an employer by providing inadequate Health and Safety precautions. Such incidents are not only extremely bad for staff morale and public relations, they can also lead to costly Employers Liability claims under your Construction Insurance policy.

12 March 2015

Construction Insurance Tips - How To Choose Safety Work Gloves

Written by Jon Norman, Posted in Construction

Research and site inspections carried out by the Health and Safety Executive (HSE), highlighted that 40 per cent of construction sites inspected over a 4 week period did not have sufficient health and safety measures in place to properly protect workers.  

When you combine this with a further study which found that wearing gloves on the construction site reduced the relative risk of injury by 60 per cent, the benefits of this simple risk protection process is clear.  

09 March 2015

Construction Insurance Tips - How To Use A Scissor Lift Safely

Written by Jon Norman, Posted in Construction

Scissor lifts can be a useful tool at construction sites to help you and your employees perform work at height.  However, without adequate training and health and safety precautions, they can also be very hazardous, leading to employee injury and claims under your Construction Insurance policy.

If you are hiring the plant for a specific purpose, you may assume that it has been correctly maintained, but it is still best practice to perform adequate risk assessments before you start operating the lift.

06 February 2015

Construction Insurance Tips - Understanding the New CDM Regulations 2015

Written by Jon Norman, Posted in Construction

If you are running a construction firm or working in the construction industry, then you should be familiar with the Construction (Design and Management) Regulations 2007 (CDM).

These regulations place legal duties on almost everyone involved in construction work. By defining responsibility and establishing guidelines for safe work, the CDM Regulations help improve on-site health and safety, ensure your employees are competent, and support your firms risk management strategies. By carefully implementing these guidelines you can reduce your exposure to liability insurance claims and subsequent increases to your Construction Insurance policy.

29 January 2015

Construction Insurance Tips - How To Deal with Lead Safely

Written by Jon Norman, Posted in Construction

When working on building or constructions sites, most risks and hazards are relatively obvious.  However one of the less obvious hazards is handling and dealing with lead.

Lead is a toxic substance that builds up in the body, posing serious health risks to those exposed to it. When you, or one of your employees, work with lead, it accumulates on your skin and clothing in the form of dust. It can be ingested or inhaled or ingested, which can damage the lungs, kidneys, nervous system, intestines and reproductive system.

There is no cure for lead poisoning, and should an employee suffer illness as a direct result of work you asked them to carry out, you could suffer a significant claim under the employers liability element of your Construction Insurance.

19 January 2015

How To Reduce Liability Insurance Premiums - Claims Defensibility

Written by Jon Norman, Posted in Construction

Liability Insurance claims from employees are becoming increasingly difficult for businesses to avoid. Ever-widening business liability, combined with the current legislative emphasis on thorough risk assessments has only heighten the issue.

Some firms have been plagued by a continuous stream of claims and know the direct impact that inefficient claims management can have on their business, both in terms of management time, but also the subsequent increases in Liability Insurance premiums.

To improve claims management processes and shrink overall claims exposure, many organisations rely on a powerful risk management tool: claims defensibility.

13 January 2015

Construction Insurance Tips - How To Manage Hand Tool Safety On-Site

Written by Jon Norman, Posted in Construction

Whilst injury and fatality rates have decreased significantly over the last 20 years, the Health and Safety Executive (HSE) report that the Construction industry still accounts for 31% of all fatal injuries to employees and 10% of all reported injuries in the UK.

A common area of injury is through the use of machinery or hand tools, imagine that when striking a nail with a hammer, part of the hammer’s handle breaks off and hits an employee in the eye.

Not only could such an accident cause you to lose a valuable worker for several weeks, you could also face a claim for temporary or permanently damage to the eye leading to claims under the employers liability section of your Construction Insurance policy.

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