Ergonomics for Construction Workers
The Problem On some construction jobs you need to work close to the ground or floor. For example, you may have to stoop or kneel when installing or finishing slabs, decks, or floor coverings. Bending, stooping, kneeling, or squatting can cause pain in your lower back or knees. Over time you may develop a serious muscle or joint injury. Your risk is higher if you stoop or kneel often or for long periods of time. It is also higher if you twist your body while working in these p
Restoration Insurance: Professional Liability Exclusion Example
An engineering firm was contracted by a restoration contractor and restaurant owner to monitor the reparation of a pier on which a restaurant was located. The engineer found that the pier was not stable—the pier was actually moving. While the engineer did not believe the pier was in imminent danger of collapse, the engineer did testify he informed the owner of the restaurant that the pier was going to collapse. Soon after the pier suffered a catastrophic collapse, resulting
Controlling Workers Compensation Costs Part 2
This is the second part of our posts on controlling your workers compensation costs for your restoration company. 6) Claims Administration Audit Benefits paid to employees, under workers' compensation, are statutorily derived but subjectively influenced by the method and extent of investigating the claim; expertise in reserving losses; human error in posting and recording information about the losses. Solving these problems can be accomplished by: loss analysis, experience mo
Controlling Workers Compensation Costs Part 1
Workers' Compensation has fast become a leading cost factor in restoration insurance programs. Premiums are at an all-time high for many contractors and the indirect costs associated with employee injuries are often two to three times the premium. Many restoration contractors are left feeling helpless in controlling these costs and do not realize the level of control they can have. Here are 10 ways to control your workers compensation costs: 1) Safety Programs This initiati
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