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500 East Absecon Blvd., Absecon, NJ 08201
Construction Insurance Bulletin
10 Side Hustles Options When Construction Business Is Slow
The construction industry often thrives during warm weather. But what can you do to make money when business is slow? Consider 10 side hustles that use your skills, fit your schedule and bring in extra money.
Become a Handyman
Offer your professional services and complete small projects around town. You could hang cupboards, fix plumbing or repair electrical systems in your free time. Advertise your handyman services on NextDoor, Craigslist, your website, and your business card.
Work for TaskRabbit
Complete projects, errands or other jobs through TaskRabbit. You can decide which tasks you complete, allowing you to put your construction skills to good use.
Complete Landscaping Projects
Landscaping projects may include mowing grass, cleaning house gutters or planting flowers. As a construction professional, you can utilize your skills for this specialized side hustle.
Offer Painting Services
Make money painting interior trim or entire rooms or exterior fences, gates and house numbers. Post pictures and reviews of your work online to attract more business.
With a snowplow, snowblower and shovel, you can make money during the winter season. Word-of-mouth is a great way to advertise this side hustle.
Make YouTube Tutorials
Through YouTube tutorials, you can show others how to maintain their home or complete home repair projects. Build a channel, produce quality videos and interact with your audience to attract viewers, advertisers and monetization opportunities.
Write a Blog
Share your expertise and build your personal brand through a blog. It can specialize on a niche, address common construction industry topics or offer advice for DIY homeowners. Your blog can make money through sponsored posts, affiliate links and dropshipping product sales.
Sell Information Products
Create several ebooks or video courses that solve common problems among construction professionals or address challenges homeowners face. Sell your information products on your blog, website, Amazon, or Udemy.
Create Handmade Products
If your construction expertise includes creating products from wood, metal or stone, sell your handmade items on Etsy. It will take time to build your brand, but you gain an outlet for your creativity and skill.
Specialize in Home Staging
A staged home looks attractive and is essential for home sales. Find home staging items at estate sales or local stores, and grow your business as you build relationships with local real estate professionals.
Each of these 10 side hustles can increase your income when your construction business is slow. Be sure you have enough time for the projects you choose, and update your commercial construction insurance to protect your assets and company. Then prepare to maximize your down time with your construction expertise.
Glenn Insurance, Inc
Risks of Corrosive Materials
Corrosives are solid or liquid substances that exact extreme caution when handling. They are usually either an acid, such as nitric acid, sulfuric acid, chromic acid, hydrochloric acid, hydrofluoric acid, or acetic acid, or a base, such as ammonium hydroxide, sodium hydroxide, or potassium hydroxide.
Anyone that has ever seen the effects that corrosives have on metal or other strong materials can easily imagine the damage that a corrosive would do to the delicate human skin.
Adding to the danger is the fact that corrosives act upon contact, meaning that damage begins the moment that the corrosive or its vapors come into contact with the eyes, mouth, skin, digestive tract, or respiratory tract.
Injuries from coming into contact with corrosive materials might be extensive and, in some cases, irreversible. Keep in mind that the stronger the concentrate of the corrosive material is, the more damage it has the potential of doing. Some of the most common injuries that result from unprotected contact with corrosives are burns to the eyes and skin. The end result might be blindness or severe scarring of the skin tissues.
When the vapors from corrosive materials are inhaled, they might cause burning to the respiratory tract, pulmonary edema (the buildup of fluid around the lungs), or even death. Although less common, if ingested, the corrosive might cause extensive burning or perforation in the mouth, esophagus, and stomach.
Aside from the danger of corrosives coming into direct contact with the body, some are combustible or flammable. These substances can very easily explode or catch on fire if not properly stored and handled. One more danger comes from some corrosives being incompatible with other chemicals. When incompatible chemicals are mixed or accidentally come into contact with one another, the result can be a dangerous, sometimes deadly, chemical reaction. Again, the dangers of corrosive materials demand that they be treated with care, respect, and caution.
Any worker that handles any corrosive material should always protect themselves:
Make sure that corrosives are stored in a safe area. This not only means away from other incompatible substances, but, sometimes even away from other corrosives.
The storage area should be secured, cool, and dry.
If it's necessary to transfer corrosive materials between containers, then make sure that the transfer is done with extreme caution and that the appropriate safety steps have been taken.
There should be appropriate ventilation anytime a corrosive material is accessed.
If it's necessary to mix corrosive materials with water, then be attentive to avoid overfilling and spillage. It's always best to add water in minute amounts.
Never reuse any container that previously contained a corrosive material.
Remember to follow the proper protocol when disposing of unused corrosive materials; these shouldn't just be poured down a drain.
Remember to don appropriate personal protective equipment as per protocol. This might include chemical rubber gloves, apron, goggles, face mask, and/or respiratory equipment.
In the event an accident does occur, immediately seek first aid for the injured. The area should be closed off to prevent subsequent injuries and the appropriate chain of command should be notified. Remember, it's too late to be cautious once an accident occurs. It only takes one mistake to produce a costly, painful, disfiguring, and potentially deadly injury.
Glenn Insurance, Inc
Prevent Brain Injuries On The Job Site
Construction workers face a high risk of sustaining mild to serious brain injuries. Understand what these injuries are and how to prevent them as you protect yourself during Brain Injury Awareness Month this March and every day.
What is a Brain Injury?
A brain injury occurs from a fall or a blow to the head. The force stretches, tears or bruises the brain and can cause bleeding, swelling and other temporary or permanent conditions.
After suffering a brain injury, you may recover completely or experience a range of permanent physical, mental, cognitive, and emotional complications. For this reason, it’s important to see a doctor right away even if you don’t think your injury is serious.
Brain Injury Side Effects
The symptoms of a brain injury range from mild to fatal and may appear days or weeks after an accident. Depending on the injury severity, you may experience:
Nausea or vomiting.
Lack of coordination.
Concentration or memory loss.
How do Brain Injuries Occur?
Construction professionals face a high risk of suffering brain injuries because they work around heavy equipment, on high surfaces or in constant motion. The most common causes of brain injuries include:
Falls from ladders, scaffolds, roofs, cranes, and other heights on the job site.
Slips on wet, icy or debris-covered ground.
Vehicular accidents that occur during the commute to the job site or while operating equipment on site.
Blows from construction materials, beams, rolling objects, and other items.
Electrocution while working on or around electrical components like power lines or wiring.
Getting caught in or between objects, such as running equipment, masonry materials or wood piles.
Tips to Prevent Brain Injuries
Numerous precautions on the construction site can protect you from a brain injury.
Plan for safety. Evaluate the job site to determine its brain injury risks, and implement safety procedures that address each of these risks.
Follow fall protection protocol. Guardrails, hole covers, safety harnesses, proper ladder positioning, and a tidy work site can prevent falls and slips.
Wear a high-quality hard hat. It should fit properly and be replaced when it shows signs of damage or wear.
Be aware of your surroundings to reduce accidents.
Train employees about brain injury risks and the proper way to use safety protocols.
Raise safety awareness among the architect, property owner and other job site visitors.
Brain injuries are common in the construction industry, unfortunately. Protect yourself when you understand your risk and effective ways to prevent these injuries. For more information on safety protocols and protective insurance, talk to your construction insurance agent.
Glenn Insurance, Inc
What To Do When A Client Doesn't Pay An Invoice
Unpaid invoices wreak havoc with your construction business. When a client doesn’t pay, you can take these steps.
Remain in Contact
If you don’t receive payment by the due date on the invoice, contact your client and ask if the work was done satisfactorily and when payment will be made. Sometimes, clients face emergencies or other challenges that prevent them from paying the full amount owed. In this case, arrange a payment plan or other alternative. However, if the client does not respond, contact them every day by phone, email or text until you receive payment.
Document your Case
Keep excellent records in case you need to contact collections or take the client to court. Your documentation should include your signed contract, expense receipts, invoices, and verbal and written communications with the client.
Hire a Collections Agency
Instead of calling the client every day, hire a collections agency to do this task for you. They typically charge a 30 percent fee to recover unpaid funds.
Send a Letter from your Lawyer
A simple letter from your lawyer with a threat to send the invoice to collections or take the client to court may prompt immediate payment.
Go to Court
You may be able to file a claim in small-claims court if your client owes between $2,000 and $7,500 and your state’s laws support this option. For higher amounts, consider further legal action. Remember, though, to weigh the legal fees against your unpaid invoice to ensure you don’t lose money going to court.
Never complain about the client to others or on social media. Maintain a professional attitude as you protect your reputation and business.
Pursue Alternative Recovery Avenues
Even if the client doesn't pay, you may be able to file an insurance claim to recover the unpaid invoice. Alternatively, ask your accountant if you can write off the bad debt on your next tax return.
Change Future Billing Practices
Use this hard lesson to change your future billing practices.
Write an accurate proposal for each job. It outlines the exact work you will do, project timeline and payment expectations.
Give the client time to examine the proposal and ask questions.
Consider a staggered payment plan where you receive part of the payment upfront with the remainder due in installments.
Require payment of each installment before you start the next part of the project.
Sign a contract that clearly states the specific work you will do and payment due dates, late fees and the steps you will take to recover payment.
An unpaid invoice affects your construction business, so take these steps to get the payment you’re due.
Glenn Insurance, Inc
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