Contractor, Developer, or "Construction Performer" - This is for You
The field of safety and accidents at construction sites never stops "starring" in headlines and news. And no wonder when annually there are approximately 6,000 bodily injury casualties, of which about 50 are fatalities on average - we're talking about approximately 20 casualties per day! This is a central statistic that affects the cost of the policy and the insurance coverage that insurance companies will agree to provide you.
Whether it's contractor insurance, insurance tailored for developers, professional liability insurance, or any other insurance policy in the construction industry, everyone - developer, contractor, subcontractor, work performer, or work orderer - has responsibility and obligation:
✔ To stay updated on the laws and regulations relevant to them
✔ To be familiar with the safety field, especially when it comes to safety in TMA 38 projects
✔ To ensure training and instruction for construction workers as required by law
✔ To understand their place in the chain of responsibility for safety in construction work
✔ To know how they should act during an insurance event
✔ To be prepared to deal with serious accidents
Safety and accidents on construction sites
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Useful Information Important to Know About Safety and Accidents at Construction Sites
Ignorance of the law does not excuse (or in Latin: ignorantia juris non excusat). Therefore, we found it appropriate to elaborate on these and other topics related to safety and accidents at construction sites. Read here articles written by our top experts. Many of them are based on real cases that happened, with identifying details changed (of course).
Most of the content before you consists of three chapters:
Description of the problem/challenge/danger - for example, working at height or a work accident involving subcontractor employees.
The insurance issue - what is the insurance perspective of the event?
Solutions - practical ones.
For your convenience, a list of content we prepared especially for you:
Construction site accidents
Too many accidents on construction sites make headlines: a worker who fell from a great height, a crane that collapsed, and many other examples that sum up to the following figure: over 50% of fatal work accidents occur on construction sites. The picture is also presented to insurance companies, hence the great caution they show when issuing you a contractor insurance policy, developer insurance, or any other policy in the construction and real estate development industry. This is where we come into action...
The chain of responsibility for safety
The safety responsibility chain essentially answers the question: Who is responsible here? This is one of the central questions in insurance event audits and the reason is clear: on a construction site, professionals, employees, contractors, suppliers, consultants, etc. work together. This is a situation that requires the concentration of responsibility for the various safety aspects in the hands of one party who will be the sole addressee and the main person responsible for all safety issues on the site. In order to clarify the issue, we have compiled the regulations for you...
Accident investigation
It's amazing how quickly the "experts" arrive at the construction site after accidents: from the Ministry of Labor, insurance companies, the police, lawyers and other interested parties. Some come to identify the cause of the accident and learn how to fix it, and there are those who come to 'find the culprits'. We also arrive at the site where a serious accident occurred, the difference is that we (unlike some of the others) arrive to assist you. Here is a brief and important overview...
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