Articles in Category: Construction

Construction Insurance Tips - How To Use A Scissor Lift Safely

Construction Insurance Tips - How To Use A Scissor Lift Safely

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.

Construction Insurance Tips - How To Deal with Lead Safely

Construction Insurance Tips - How To Deal with Lead Safely

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.

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

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

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.

Construction Insurance Tips - Site Safety & Managing Wet Surfaces

Construction Insurance Tips - Site Safety & Managing Wet Surfaces

Wet surfaces present a workplace hazard, and if you are running a busy construction site, slip or trip injuries can cause serious accidents.

Water on site can come from a variety of sources, including rain, cleaning and accident spills, wet winter conditions and activities that require the use of water. Slips or Trips on wet surfaces can result in bruises, strains and sprains, lacerations, fractures, head trauma and even fatalities.  Such injuries can leave you exposed to fines via the Health and Safety Executive (HSE) or legal claims by employees who are injured under the Employers Liability section of your Construction Insurance policy.

Construction Insurance - Don't Get Burned, Assess Your Fire Risks

Construction Insurance - Don't Get Burned, Assess Your Fire Risks

Fire risks do not just plague a finished construction project — Construction sites at all stages are susceptible to fire losses and in turn, substantial claims on your Construction Insurance. At times, site conditions may be so unique or difficult that alternative designs or construction methods and materials should be considered at the outset of a project to prevent the project from being exposed to unnecessary fire risk at later stages.

Construction Insurance News - Firm Prosecuted As Barrier Falls on Pram

Construction Insurance News - Firm Prosecuted As Barrier Falls on Pram

When running a construction site Health and Safety and protection of both the public (Public Liability Insurance) and employees (Employers Liability Insurance) is of paramount importance.   Robust risk assessments and stress testing of procedures provide vital protection in terms of minimising the risk of accidents and breach of HSE (Health and Safety Executive) regulations.

Construction Insurance News - HSE Suspends Construction Sites

Construction Insurance News - HSE Suspends Construction Sites

The UK Construction Industry has made huge strides and improvements to site safety over recent years and risk assessments and safety prevention is now part of core working practices. 

However, a national inspection campaign by the Health and Safety Executive (HSE) has found that the health risk to construction workers is still not being full addressed.  Not only does this put the firm at risk of prosecution, but it also significantly increases the potential of Employers Liability Insurance claims from site workers.

Construction Insurance Tips - Understanding the New CDM Regulations 2015

Construction Insurance Tips - Understanding the New CDM Regulations 2015

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.

How To Reduce Liability Insurance Premiums - Claims Defensibility

How To Reduce Liability Insurance Premiums - Claims Defensibility

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.

Construction Insurance Tips - Dealing With HSE Site Safety Inspections

Construction Insurance Tips - Dealing With HSE Site Safety Inspections

Construction is one of the most dangerous industries in the UK. In 2012-13, construction injuries accounted for over 27 per cent of all fatal injuries and 10 per cent of all reported major injuries.  Injuries to members of the public (Public Liability Insurance) and employees (Employers Liability Insurance) can result in significant claims under your Construction Insurance which can feed into large premium increases.  Improving and managing site safety will ensure you manage risk effectively.

Construction Insurance Tips - Your Winter Weather Responsibilities

Construction Insurance Tips - Your Winter Weather Responsibilities

As most construction employees work almost exclusively outdoors, the weather plays a significant role in their daily working conditions. Whilst there is an expectation that workers will sometimes need to work in rainy, cold or snowy conditions, your duty of care to provide employees with a safe working environment still applies. 

Should one of your staff suffer injury or illness and hold you responsible, you could face a costly Employers Liability claim under your Construction Insurance policy.  As such, it is important that employees are prepared and educated on handling weather conditions safely.

Construction Insurance - Ladder Safety Tips To Avoid On Site Accidents

Construction Insurance - Ladder Safety Tips To Avoid On Site Accidents

Falls from height are one of the most common causes of accident in the Construction Industry.  The Health and Safety Executive (HSE) reported that over half of fatalities at Construction sites resulted from a fall from height.    On top of the emotional and tragic results, on-site accidents can result in significant Public Liability or Employers Liability claims, which can lead to significant increases in Construction Insurance premiums.

Scaffolding Insurance - Firm In Court for Employers Liability Breach

Scaffolding Insurance - Firm In Court for Employers Liability Breach

If your scaffolding or Contracting firm has employees it is a legal requirement that you purchase Employers Liability Insurance, which provides compensation to workers should they suffer injury at work for which you are legally liable.

Failure to purchase the minimum level of cover required under the Employers’ Liability (Compulsory Insurance) Act 1969, which is currently £5,000,000, can lead to investigation and prosecution by the Health and Safety Executive (HSE).