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500 East Absecon Blvd., Absecon, NJ 08201
Construction Insurance Bulletin
Best Ways To Clean And Protect Your Valuable Construction Tools
The tools you use in your construction business can cost thousands of dollars. Clean them properly to ensure they remain in good working condition and to prolong their life.
Soak dirty tools in a cleaning solution for 30 minutes or longer depending on how dirty they are.
Scrub the tools with a wire brush or sandpaper to remove dirt, grease, grime, or rust.
Dry each tool thoroughly.
Apply a thin coat of oil or wax to prevent rust and protect tools.
Follow the manufacturer’s directions for cleaning power tools.
Disconnect the power before attempting any cleaning project.
Use compressed air or an air compressor to remove any sawdust or other accumulated dust from grooves and crevices.
Wipe dirt off tools with a cleaning solution and damp cloth. Be careful to avoid the motor casing and power cables.
Dry the tool thoroughly.
Clean toggles and switches with a toothbrush to remove dirt.
Lubricate moving parts with machine oil or another lubricant recommended by the tool manufacturer.
Scrub off any rust with steel wool or sandpaper. Apply oil to prevent rust only if the manufacturer recommends it.
Inspect the power cord for damage, including frays, nicks and cuts. Replace the cord if you notice even a small amount of damage.
Store Tools Properly
After you clean your tools, store them properly to provide ongoing protection. Ideally, place power tools in their original cases. Place hand tools on a cloth in your toolbox or on pegboard so they don’t clang against each other.
Try to keep the storage area dry, too, because a damp environment can allow mold, mildew or rust to form on your valuable tools. Place silica gel packs or rust inhibitors in your power tool cases and your tool boxes and drawers for added protection.
Clean all your tools after you use them. You'll save time and protects your tools so they're ready to go when you need them.
Use a small amount of degreaser on metal and plastic tools to remove grease as well as tar, adhesive and other sticky substances.
Wipe wooden handles with a linseed oil, wood wax or conditioner to polish and protect the wood.
Empty and clean your tool boxes, bags and belts with a damp cloth or leather conditioner.
While you’re cleaning each tool, inspect it for damage. Repair or replace tools that are broken or otherwise compromised.
Because you rely on your construction tools for your business, clean them regularly. Also, insure these valuable assets with inland marine insurance. Your insurance agent can provide additional information that supports your construction company’s success.
Glenn Insurance, Inc
What You Need To Know About Safety Footwear
Whether you stand all day, operate heavy machinery or handle chemicals, you need to protect your feet as you work. Several foot safety tips reduce injuries and help you maintain a safe work environment.
When to Wear Safety Footwear
Safety footwear protects your feet against numerous injuries, including punctures, impacts, electrical shock and compression. If you work in any hazardous work environment, you probably need to wear safety footwear as part of your daily uniform. Protective shoes also protect your feet if you suffer from weak ankles or other medical conditions.
Available Types of Safety Footwear
Depending on your job and preferences, you may select safety boots or sneakers. Available in a variety of styles and colors, the best safety shoes include a CSA certification and may include:
- features a special toe covering that protects the foot from dropped objects
- stabilizes feet and protects them from joint and bone injuries or problems
- provides a barrier against glass, nail and other sharp object punctures
- reduces injuries to your upper feet and internal bones
- absorbs shock through specially made soles
- resists heat-related injuries
- repels water and keeps feet dry
- improves traction on various surfaces
Where to Purchase Safety Footwear
Your employer may provide strict guidelines and limitations about exactly which safety shoe you may wear, including where you may purchase this gear. If you can select the safety shoes you wear, check specialty footwear stores or online retailers. Because you want to protect your feet, select only the right shoes for your job and feet. Price should be secondary as you promote safety.
How to Fit Your Safety Footwear
When trying on safety footwear, ensure a proper fit.
Try on shoes in the afternoon to accommodate swelling that occurs naturally during the day.
Wear your regular work socks and any special supports.
Ensure ample toe room since the shoes typically do not stretch with wear.
Check for snugness around the heel and ankle.
Walk around a bit to check for comfort.
Most safety footwear requires ongoing care and maintenance. Before you wear them for the first time, apply a water-resistant coating. Every day, inspect your shoes for damage, including sole cracks, leather breaks or toe cap exposure. Always replace your safety footwear if you notice signs of wear or damage that you cannot repair and after a puncture, impact or other event that may compromise the shoe.
Protect your feet at work when you wear the right safety footwear. Talk to your employer and check OSHA resources as you purchase, maintain and wear shoes that protect your feet every day.
Glenn Insurance, Inc
Understand Builder's Risk Insurance
Builder’s Risk insurance, also known as Course of Construction insurance, covers property that’s under construction. As a contractor or construction professional, you must understand this important coverage.
What is Builder’s Risk Insurance?
A homeowner, general contractor or project manager can purchase a Builder’s Risk insurance policy during a home building project. The coverage protects the property from hazards and accidents that could occur.
What Does Builder's Risk Insurance Cover?
The accidents and hazards a Builder’s Risk insurance policy covers include:
Burglary and theft.
Property loss during transport to the job site.
Scaffolding, temporary structures and construction forms on the job site.
Sewer or drain backup.
Site plans, blueprints and other valuable papers.
Wind, hail or rain storms.
Impact by aircraft or vehicles.
Riot, vandalism and malicious acts.
Debris removal after a covered accident or hazard.
Most Builder’s Risk insurance policies include several exclusions, so read the policy carefully. Your policy probably does not cover:
Property others own.
Subcontractor actions or materials.
Weather damage to property in the open.
What is the Policy Length?
The typical Builder’s Risk insurance policy covers a construction project that lasts from six to 12 months. Coverage ends when the project is finished or the property is occupied.
While the policy may be extended due to construction delays, the insurance company may want proof that you are making progress. Also, only one extension is usually offered.
How Much Does Builder’s Risk Insurance Cost?
Expect to pay between one and four percent of the total construction budget for your Builder's Risk insurance policy. The type of coverage and materials also factor into the cost. Your insurance agent will work with you to purchase adequate coverage you can afford.
Is Builder's Risk Insurance a Requirement?
As a contractor, project manager or homeowner, Builder’s Risk insurance gives you peace of mind. However, it’s not usually a requirement. Read your project contract for details.
Purchase Adequate Insurance
As a construction professional, you should purchase the right insurance coverage for your business and projects. Insure the tools and equipment you own in case they’re stolen or vandalized. Also, purchase liability coverage that protects you if you damage the property or cause bodily injury. Be sure the finished project is covered, too, in case something goes wrong with the home you build. Provide copies of your insurance policies to homeowners, too. They need to know that you have the right insurance in case something goes wrong.
Builder’s Risk insurance protects a new home that’s under construction. Understand this coverage as you protect your assets and construction business.
Glenn Insurance, Inc
Benefits And Details Of Professional Liability Insurance For Contractors
A project architect or engineer typically carries responsibility for the design of a house, high rise or other structure. However, contractors now also play a role in project design and may be liable if something goes wrong.
Consider the benefits of purchasing professional liability insurance and the process for gaining this valuable coverage for your contractor business.
What is Professional Liability Insurance?
Contractors like you already purchase general liability insurance. It protects you if the actions of you or an employee cause bodily injury or property damage on the job. Professional liability insurance adds another layer of protection. It covers negligence and design errors that may occur as you take on a variety of job site responsibilities.
Contractor's Professional Risk Exposure
In today’s construction projects, contractors may do more than build the design that’s created by an architect or engineer. For example, you may be responsible for hiring a design firm, designing certain aspects of the project or altering a current design to incorporate more functional features. In addition to the design responsibilities, you may assume professional liability risks because you hire independent contractors, estimate costs for a project and schedule projects.
Why Purchase Professional Liability Insurance
The numerous tasks you perform as a contractor carry liability risks, and you face a variety of situations for which you are responsible.
Design errors and omissions
Third-party bodily injury
To cover these liabilities, you could pay the associated costs out of pocket or purchase professional liability insurance. This policy can take care of your financial responsibility, offer a layer of protection and reduce risks that jeopardize your company now and into the future.
How to Purchase Professional Liability Insurance
Contractors who need professional liability insurance may purchase it in several ways.
Add an endorsement to an existing general liability or umbrella policy.
Purchase a stand-alone policy.
Select a separate project policy.
To decide which option is right for your company, consider the types of projects you do, your financial status and your budget. Individual project contracts may also include details about the type of liability coverage you must purchase. Talk to your insurance agent, too, to verify the availability of the coverage you need and want.
Based on your specific business, duties and job responsibilities, you may need to purchase professional liability insurance for a specific project or as a permanent addition to your contractor company. Talk to your insurance agent about your needs as you ensure you have the right protection for your business.
Glenn Insurance, Inc
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