The construction industry faces many unique challenges and dangers. Workers operate heavy equipment and machinery, perform tasks from tall heights and work with electrical and gas systems, presenting various circumstances where construction accidents may occur. Protect your company with Ohio construction insurance that mitigates your risks through personalized management services and policy solutions that meet your needs.
Adequate training and proper safety protocols are crucial to keeping construction employees safe. You reduce your risks by addressing these areas. However, mishaps can still happen. The U.S. Bureau of Labor Statistics reports that in 2019, construction fatalities in the private industry increased by 5%.
Common Construction Accidents
There are myriad ways construction accidents may occur on your job sites. Some of the most common circumstances include:
- Falling objects: When workers perform job duties simultaneously, items may fall from the upper sections and hit those working below.
- Electrocution: Constructions sites often have exposed wiring, downed power lines, or unfinished electrical systems. Additionally, builders handle power tools that require electricity to operate. Faulty equipment, inadequate safety precautions, or incorrect handling of machinery increase the chances of injury.
- Slips and Falls: Workers in this industry face a high risk of falling while on the job. Tasks require working from rooftops, ladders, or scaffoldings. Slippery floors, construction debris, weak walkways, or insufficient guardrails add to the likelihood of potential accidents.
- Becoming trapped: Building projects require moving heavy objects and materials often. This process can accidentally trap people between two items or against a wall or floor.
- Machinery accidents: Construction workers routinely operate dangerous tools such as bulldozers, jackhammers, cranes, drills, and nail guns. Mishaps with these kinds of equipment can cause serious injuries.
- Explosions: Gas leaks, flammable chemicals, or exposed wires can explode or spark fires.
Types of Construction Insurance
There are various dangers to address if you are in the construction business. It is essential to manage your risks effectively with Ohio construction insurance that meets your unique needs. A knowledgeable agent can help you determine which types of policies you may require. Coverage types include:
- Workers’ compensation helps pay for an injured employee’s medical costs and loss of wages.
- Commercial general liability covers customer injuries or property damages.
- Professional liability protects against legal claims stemming from mistakes or unsatisfactory work.
- Builder’s risk covers repair expenses to unfinished structures due to fire, vandalism, weather events, or theft.
- Employment practices liability pays for the legal fees associated with employee lawsuits.
As stated by the Centers for Disease Control and Prevention, between 12 to 13 workers die in the United States daily from job-related injuries. To protect your staff from harm and your business from financial loss, consider the types of construction insurance your company needs. Having the right Ohio construction insurance policy helps you manage hazards with safety protocols, proper training, and financial coverage when accidents occur.
About Haughn & Associates
Founded by Michael Haughn in 1986, Haughn & Associates is a full-service, family-owned, independent insurance agency based out of Dublin, Ohio. H&A strives to provide the best possible price and unique insurance solutions across a myriad of industries, including construction, IT, Habitation & Commercial Property, Agriculture, and Engineering. Devoted to providing the best of business insurance, life and disability insurance, personal insurance, employee benefits, and bonds, H&A is proof that success lies in long-standing client relations and satisfaction. To learn more about how H&A can be of service to you, contact us at (877) 802-2278.