Construction Insurance Quote Forms
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Construction Insurance Information
Construction Insurance
If you run a construction business, then you clearly want to do your job correctly, not only for yourself but also for your clients. Proper risk management must be a central part of that operation. Still, you can’t prevent every potential hazard that might strike at any given time, which is why you need the support provided by customized insurance benefits.
It might feel hard to determine exactly which construction coverage you need. You can rely on Walnut Risk Management to help you determine which policies are in your best interest, both for your security and your budget.
How do I get construction insurance?
Every construction business needs a diversity of insurance policies, some specific to the industry, others that are all designed for all businesses. It doesn’t have to be hard to determine the policies that are right for you. All you need to do is work with an insurance agency that knows what it is doing.
Walnut Risk Management offers strategic guidance to all businesses in their search for appropriate commercial insurance benefits. We have strong, lasting partnerships with multiple carriers, and we’ll always be able to create a secure, customized package of top-notch benefits.
For more information, call us at (888) 995-8986 or request a quote here.
Common Construction Insurance Questions
What construction insurance do I need?
To start your construction insurance package off strong, you’ll need several essential benefits, including:
But don’t just stop coverage there. There are a multitude of other industry-specific policies that might work to your company’s advantage. These might include employee tools coverage, equipment breakdown coverage, professional liability insurance, completed operations liability coverage and more.
Plus, if you are a small business owner who is looking for convenience and savings, then you might qualify for a business owners policy (BOP) as the starting point for your coverage. BOPs are package policies that offer property, general liability and business interruption coverage in one place and with limits designed to meet the needs of smaller operations. These policies are also adaptable, so you can often expand them with additional coverage rather than having to buy separate supplementary policies.
How much does construction insurance cost?
Your Walnut Risk Management agent is committed to working with you to incorporate all your standard and industry-specific insurance protection into a package of coverage that is right for you. We understand that you are cost-conscious, and we’ll be sure to keep your insurance package friendly to your overhead budget.
All construction insurance policies vary in price. So, when you call us for a quote, we’ll compare numerous policy options from multiple insurers to help you determine which ones offer you the most affordability for your chosen benefits. You can rely on us to provide expert analysis in helping you choose an appropriate package of benefits.
How To Keep Construction Workers Safe in The Heat
According to the Occupational Safety and Health Administration (OSHA), several factors contribute to occupational heat stress risk among workers. As an employer, you have a responsibility to help your construction workers stay safe when environmental heat and heat generated by the body create a threat.
While employers must recognize and monitor public heat advisories issued by the National Weather Service, it's also important to understand that physical labor increases the likelihood of heat-related stress on workers. Workers at construction sites may have a lower threshold for environmental heat if they perform manual labor. Construction workers who must wear protective clothing and equipment may also be vulnerable to a higher likelihood of heat stress.
Weather Reports May Not Apply to Construction Workers
Local weather reports can be helpful, but the readings they provide may not consider the following:
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Indoor work—Weather reports do not measure the heat inside a building or other structures where construction workers may perform their duties.
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Heat sources—Weather reports do not account for the heat generated by ovens, hot tar, equipment, heat-absorbing surfaces or fires.
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Reflective materials—Workers near water or metal may experience more exposure to extreme heat due to the sun's reflection off shiny surfaces.
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Wind blockage—Worksites may be hotter than other areas nearby due to blocked air movement occurring in structures such as trenches.
Direct exposure to the sun: Weather services measure heat index and temperature in the shade, but workers performing their duties in the sun may experience much hotter conditions.
Tips To Help Keep Construction Workers Cool
Here are a few ways that employers can help their workers stay cool even on the hottest days:
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Start early: Air temperature is highest between 3 pm and 6 pm. If you can schedule your workers' days early so they can finish before 3 pm, you can help them take advantage of the coolest part of the day.
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Use shade: Any worker feeling the adverse effects of heat stress should immediately take a five-minute break in the shade and rehydrate. Frequent breaks away from the sun can help prevent overheating.
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Dress appropriately: If possible, encourage workers to wear light-colored and lightweight clothing that covers exposed skin. Choose fabrics that are moisture-wicking and breathable.
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Get acclimated: Workers who have been gone due to illness or scheduled time off may need extra time to acclimate to the heat. It may take five to seven days to fully adjust to strenuous activity in the heat.
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Hydrate: Provide frequent opportunities for workers to hydrate with cool water. Coconut water and sports drinks can help workers replenish electrolytes in severe heat.
Contact Us Today for Business Insurance
Companies that employ contractors and other workers who perform physical labor in severe heat need appropriate insurance to help provide financial protection for the organization and its workers.
Contact Walnut Risk Management in Kansas City, Missouri, today to learn more about how business insurance and workers' compensation coverage can help protect your organization.