Public Liability Insurance - Work at Height? Protect Those Below

Public Liability Insurance -  Work at Height? Protect Those Below

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. 

Managing Risk

It is important to manage and assess risk effectively by identifying hazards that can threaten worker safety, injure people and damage property below.   When you are working at height your risk assessment should include adequate precautions to keep yourself, your employees and those around you safe from unnecessary on-site injury.

Establish a Safe Working Area

If possible, overhead work should never be performed over anyone and care should be taken to keep the space clear:

  • Section off the hazard area with signage and some form of barricade to clear the area and prevent traffic from moving underneath the work zone.
  • Use the correct personal protective equipment, such as a hard hat, if you need to enter the hazard area while work is being performed. 
  • If parking is allowed in the area, set up signage in advance. This will prevent unattended vehicles from being in your way when it comes time to work on the project.
  • If a hazard area cannot be established under an overhead workspace use debris nets, catch platforms or canopies to protect people and property from possible falling objects.

Keeping Tools Secure

Anything dropped from height can be a potential hazard to those below. Even personal items like mobile phones can turn into harmful projectiles.  The following, tips will help to keep your items secure:

  • Connecting all tools to a safety cable to prevent accidental drops
  • Using a holster or sheath and a safety line to hold your mobile phone, pager and any similar devices
  • Inspecting all safety cables for proper function before starting work each day
  • Using toe boards to prevent stray materials from accidentally being bumped off an elevated platform

Keeping Yourself & Your Employees Secure

If you or your employees fall from height you could be seriously injured as well as potentially injuring others.  The following steps will help you to manage and minimise the risk of a fall:

  • Wear a body belt as part of a tethering or restraint system with a lanyard attached to the work platform
  • Never climb or sit on guardrails
  • Whether you’re using scaffolding or some type of lift, never exceed the recommended weight limit

Safety through Time Scheduling

Often the simplest risk management solutions are the most effective.  Once the easiest ways to reduce the risk of injury from falling items is to schedule the work at a time which reduces, or better still removes, the possibility of injury or damage to persons or property below.  For example, scheduling work at a school during a holiday period, or work at a weekend in an office location. 

Even for general work, carrying out height work away from peak times with less footfall or traffic will reduce the odds of an incident.

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About the Author

Jon Norman

I’m passionate about family, sport, technology and business.

In fact, I have always been fascinated by business, whether it was running the school tuck-shop or my Saturday job in the local store, I was always looking for ways to improve or view things differently.

I have enjoyed an amazing career fast approaching 25 years in the insurance industry, which has given me real insight into the challenges and opportunities faced by SME businesses in today’s ever-evolving marketplace.

I co-founded Insync Insurance, to offer companies a new way to buy and manage their business insurance. A synergy of digital servicing and personal expertise - utilising the latest technology to enhance relationships, not to replace them.