Worker’s Compensation and Safety in Your Contracting Business

In the construction and mechanical contracting industries, there is nothing more important than safety. In addition to the risk to life and limb, you have a financial incentive because of the high insurance costs associated with a poor safety record.

Make Sure You’re Covered

Worker’s Compensation Insurance must be purchased for every state in which you’re doing business, both for employees and sub-contractors. The only people you should leave off of your worker’s compensation coverage are the majority owners of your business. This is because the owners are not at risk to sue their own company. However, if the owners are active in the business coverage for their personal liability, injury, and health should be procured separately.

Training Pays in More Ways Than One

Safety training is a must in construction and mechanical trades. It can and should be integrated with regular task training because you’re training your team members to perform every task safely. For example, if you perform work in the catalyst management services industry you will need to perform confined space safety training. Worker’s compensation insurance underwriters will often give your company discounts for training as well.

Management Matters When It Comes to Safety

Too often, however, safety training is undermined by the culture of the workplace. All the coaching in the world about safety won’t matter if team leaders demonstrate a cavalier attitude and encourage their team members to work in an unsafe manner. Some paint operations, for example, have issued respirators for use in the paint booth and then made it a common practice for the paint booth operators to wear it around their neck while working.

Don’t wait for a tragic accident that causes accident or injury, and don’t allow chronic conditions to be established on your work sites that may create illness or repetitive use injuries. Either situation can lead to lawsuits and higher operating costs.