According to a 2016 report by the Occupational Health & Safety Administration (OSHA), one in five worker deaths is in construction. The leading causes being falls, struck by object fatalities, electrocutions, and getting caught in-between objects. These fatal four account for 63.7% of construction worker deaths. By eliminating the fatal four, it’s estimated that 631 lives would be saved every year.
It’s a situation that no association wants to be in. You hire a cable company to install new antennas when a worker slips and falls through the ceiling. The worker is taken to the hospital with a broken collarbone and cannot work for the next couple months. The association assumed the contractor had workers’ compensation insurance and did not verify before starting the project. The association also chose to opt out of coverage with their agent because they have fewer than four employees. Now, the association is stuck with the medical bills.
This creates a hole in the budget that pays for the upkeep of the condominium. Now, the association has to raise condo fees to make up the deficit, leaving a lot of unit owners disgruntled.
Most business owners are familiar with what workers’ compensation is and how it protects their business. However, workers’ compensation insurance can be complex and hard to understand. This is because policies vary based on the state you operate in and the type of business that you own. Make sure your workers’ compensation policy is the right fit for your business, contact our agents at H&K Insurance.
The operation of a restaurant is typically fast-paced and has the potential for dangerous situations—leading to incidents that affect or hurt your employees. Below we’ll go over the basics of worker’s compensation, and how to save money on this type of insurance. [Read more…]
Accidents happen, and when they happen at the construction site, there is good and bad news. At-work injuries are covered by worker’s compensation, which assists with losses due to being unable to work from injuries. But those claims are valid only if filed within a certain time span to avoid fines or loss of a claim. As a construction employer or employee, it’s vital that you know the steps and requirements to keep everyone safe and able to come back to work after they recover. [Read more…]
It’s 4:00 AM. You pull on your work clothes, climb in your truck and head off to work, bringing a lunch pail packed for a long day working on the local construction site. While it seems like any other day, there is actually a lot of danger introduced by simply arriving at a work site and beginning work. Sadly, OSHA reports that each day some 13 construction workers are killed due to work related accidents. Many times more are injured each day. It’s important for both the employer and the employee to know what steps to take when an injury occurs.
Every profession has the opportunity for job related injuries. However, due to the nature of their work, construction workers are especially likely to be injured while on the job. They handle dangerous pieces of equipment, hazardous materials, perform electrical work, operate at precarious heights, and in ditches. Add this to fatigue related injuries associated with physical labor, and construction worker safety is no joke. As a contractor, it’s important to have proper coverage for all your employees.
When you or your employee is injured, it’s a bad day. But if that injury causes you or them to become temporarily or permanently unable to do the job, it’s suddenly a nightmare. As both an employer and an employee, it’s important to have the right coverage as required by law and common sense. Learn about the common types of disability insurance and the types of policies you can take out. [Read more…]