Falls account for almost one quarter of all industrial accidents.
These incidents can be avoided
- Use proper handrails.
- Use proper guardrails.
- Use properly installed scaffolding and tie-off roofers.
- Train employees to carry appropriate sized loads to reduce strain and increase visibility.
- Automate any product movement in the construction process.
- Level all walking paths inside and out. Avoid stairs and elevation changes wherever possible.
- Employees must wear appropriate footwear, non-skid.
Fall claims are expensive, averaging about $19,000 per claim.
For a typical small contractor, a single claim can raise the workers' compensation modification (mod) roughly twenty percent per year for three years and can affect access to preferred-rate coverage.
Large contractors may face a smaller percentage increase but on a larger premium amount, which is still costly.
Doesn't it make more sense to invest a few dollars to work safer than to pay a premium for ignoring the risk?
From the beginning of site work, grade the walkways and parking areas to level them. Stone or pave areas prone to becoming muddy or slick in foul weather.
Make sure building entries are clear of debris and any elevation change is visually marked with bright tape or signs.
Storage areas, whether inside or outdoors, need to be kept clean and orderly. Assign space to each contracting crew.
Use proper tie-off techniques for ladders, secure scaffolding properly, and restrict access. Harness and tie-off roofers.
Inspect the interior work to assure proper waste removal. Material such as sheet rock scrap accumulates quickly and causes trip hazards; sweep up screws and nails promptly.
Keep five-gallon buckets against walls rather than in the middle of floors and consider how materials or layout might create slipping or tripping problems.
Remove hazards and install guards as needed; you'll often receive a reduced premium in return. Review your policy options and coverage details such as Residential Contractors Workers Compensation Insurance to understand how claims affect your rates.
For questions about specific coverages or limits, consult resources like FSLA Sub Limit and consider speaking directly with an insurance professional to review your exposures and controls.
If you want help implementing controls or updating coverage, you can talk to an agent about your options.
Frequently Asked Questions
What are common causes of falls on construction sites?
Common causes include unguarded edges, unsecured ladders, uneven walking surfaces, cluttered work areas, and lack of fall protection for roof work.
How can small contractors limit the impact of a fall claim?
Maintain good housekeeping, enforce PPE and tie-off procedures, document training, and promptly correct hazards to reduce the likelihood and severity of claims.
How quickly should damaged or uneven walkways be repaired?
Repair or clearly mark hazards as soon as they are discovered and schedule permanent fixes promptly to prevent trips and slips.
Does safer jobsite practice affect insurance premiums?
Yes. Consistent safety practices and prompt hazard removal can reduce the frequency of claims and may lower workers' compensation premiums over time.