Tuesday, August 8, 2017

What Construction Businesses Need to Know About Insurance & Personal Injury

Originally published by Robert Kraft.

The field of construction is an art. Workers have the ability to craft stunning homes and businesses, and they work on the technical aspects as well. However, it is also a field that can bring into fruition a variety of injuries. Therefore, construction companies must have a keen awareness when it comes to insurance and personal injury on the job.

Check Local Insurance Requirements

Construction businesses generally need to have insurance for their employees. Insurance for construction business owners is a necessity, but the exact type of coverage can depend upon state and local requirements. Whether you’re just starting a construction business or you’re revising the way that you’re currently operating, you must find out what these requirements are. Keep in mind that requirements usually tell you what you must offer at the minimum. Consider the benefits of exceeding that.

Understand Your Insurance Policy

When you learn that you need a certain level of business insurance, you might hastily sign up with the first provider that you find. However, you must make sure that you understand the policy and what it requires of you. For example, you might now think that if your employees are injured on the job that you don’t need to pay anything, but that might be false. In other words, you may have to pay a deductible with the insurance taking care of the rest.

Avoid Personal Injuries

Dealing with personal injuries on the job is jarring. Construction accidents can cause serious injuries or even death. Therefore, you want to work to avoid these situations as much as possible. As a result, you should make sure that you are following all of the health and safety guidelines of the state and local area. On top of that, you need to ensure that workers are aware of these guidelines. You should have features in place that make certain employees are following the guidelines and know what to be aware of on construction sites. Holding workshops for your employees can help with this goal.

Know What to Do if an Injury Does Happen

When an injury occurs on the job, you want to make sure your employees know what to do. In fact, you may want to host a workshop that specifically tells them how to proceed in the event that they are injured on the job. You want to make sure that the process is handled in the most efficient way possible.

If you have a construction business, make personal safety a priority. Learning about insurance and guidelines can help tremendously.

Author Info: Hannah Whittenly is a freelance writer and mother of two from Sacramento, CA. She enjoys kayaking and reading books by the lake. You can find her on Twitter.

Curated by Texas Bar Today. Follow us on Twitter @texasbartoday.

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