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Construction Insurance Bulletin
831-661-5697 Website

Safety Tips For Your Construction Site Landscaping Specialists

Landscaping specialists play an important role on many construction sites, but the work can be hazardous. If you employ landscaping specialists, ensure they follow these safety tips to reduce injuries and property damage.

Stay visible

Working near roadways and heavy equipment such as backhoes increases the risk of accidents. Encourage crews to stay aware of their surroundings and wear high-visibility clothing or reflective vests so they stand out from dirt and vegetation.

Dress for safety

  • Long pants and a long-sleeved shirt that fit snugly.
  • Thick socks and sturdy work boots.
  • Gloves and a hard hat.
  • Protective eye and ear wear.
  • No loose clothing or jewelry.

No matter the size of the job, proper gear protects workers from thorns, rocks, uneven terrain, and weather. For repetitive lifting or raking tasks, schedule frequent breaks and consider back or wrist braces if needed.

Sharpen tools

Dull blades and hand tools require extra force and slow work. Keep tools sharp and well maintained to reduce the effort required and lower the risk of repetitive-stress injuries.

Know the machines

Landscapers may use mowers, augers, tillers, and blowers. Every operator should read the machine’s safety manual, be trained on proper operation, and hold any required certifications for that equipment.

Stay away from moving parts

Blades and power-tool components can cause severe injury. Maintain a safe distance from moving parts and wait until everything comes to a complete stop before approaching equipment.

Complete repairs carefully

When a mower jams or a power tool malfunctions, turn off the power source and confirm moving parts have stopped before attempting repairs. Use locking or blocking methods as appropriate to prevent accidental restart.

Use chemicals with caution

If applying pesticides, herbicides, or other chemicals, follow label directions for storage, use, and disposal. Only allow experienced, trained workers to handle hazardous or flammable materials and provide appropriate protective equipment.

Call utility companies before digging

Notify local utility-marking services before any excavation to reduce the risk of puncturing gas, electrical, or other underground lines.

Purchase insurance

Despite safety precautions, injuries and property damage can occur; purchase adequate construction and landscaping coverage such as Tree and landscaping insurance.

For crews that provide lawn or maintenance services, consider Lawn Care and Landscaping Services Insurance and, if you need help choosing coverage, talk to an agent.

Implement these tips on every job site and make sure your landscaping specialists understand and follow them to help keep everyone safe.

Frequently Asked Questions

What basic safety gear should every landscaper wear?

At minimum, landscapers should wear sturdy boots, gloves, eye protection, and high-visibility clothing; hard hats and ear protection are needed for specific tasks.

How often should tools and equipment be inspected?

Perform a quick pre-use inspection each day and a more thorough maintenance check at regular intervals based on manufacturer recommendations and usage.

Who should call utilities before digging?

The contractor or site supervisor should contact local utility-marking services before any excavation begins to ensure underground lines are identified.

Are chemical applications always the employer’s responsibility?

Employers should train and authorize only experienced workers to handle chemicals and ensure proper safety data sheets and PPE are available on site.

When should I consider specialized insurance for landscaping work?

Consider specialized insurance whenever you hire crews, work on construction sites, or use heavy equipment to protect against injury and property-damage claims.

Scurich Insurance Services 831-661-5697 Website
 

Drug Testing Policy Details For Your Construction Independent Contractors

The construction industry relies on independent contractors who perform specialized services like plumbing, painting and drywall installation.

To prioritize safety on the job site and ensure quality work, consider implementing a drug testing policy for the independent contractors you hire.

Benefits of Drug Testing

Regular drug testing promotes safety on the job site and can improve productivity and quality of work.

Testing also helps lower absenteeism and boost morale, and it protects your company reputation by reducing the risk of visible impairment or substandard work that can cost contracts.

Prepare a contract

When you work with an independent contractor, you typically sign a contract that outlines the exact project, timeline and pay rate; include your drug testing policy in this contract.

Consult your specific state laws regarding drug testing as you prepare the contract and confirm any insurer requirements.

When to test

  • Direct observation of drug use or associated symptoms such as uncoordinated movements, slurred speech or erratic behavior.
  • Reports from reliable sources that the independent contractor is using drugs.
  • Evidence of tampering with drug test results.

The independent contractors who apply to work for you must agree to your drug testing policy, and you are responsible for enforcing it consistently.

Select a drug testing company

Most drug testing is done at an independent, third‑party facility certified by industry bodies; contractors travel to the facility and provide a urine sample, and you receive results within hours or days depending on the lab.

For related business coverage and resources, see Contractors/Construction Trades Business Auto and consider industry-specific testing services such as Non-Destructive Testing (NDT) Insurance.

Address the test results

If a contractor tests positive for drugs or refuses a test, take the disciplinary steps you outlined in the contract; discipline can include dismissal, with exceptions for properly reported prescription medications.

Outline your dismissal procedure in the contract to reduce surprises and liability for improper discipline and review with an insurance agent any insurance implications.

Frequently Asked Questions

Can I require drug testing for independent contractors?

Yes; you can require testing as a condition of the contract, but you should comply with applicable state laws and include the policy in the written agreement.

What types of drug tests are commonly used?

Urine tests are most common for pre‑employment and post‑accident screening; some employers also use saliva or hair testing depending on needs.

When is random testing appropriate?

Random testing can be used when your written policy permits it and you have reasonable, consistently applied procedures for selection.

What should I do if a contractor claims a prescription caused a positive result?

Verify the prescription and documentation, and follow the disciplinary and accommodation steps outlined in your policy and contract.

Scurich Insurance Services 831-661-5697 Website
 

What You Need To Know About The 2018 Construction Risk Conference

The International Risk Management Institute’s Construction Risk Conference (CRC) is an annual event designed for construction professionals. If you choose to invest in your business and attend the conference, here’s what you need to know.

Conference sessions

  • Kathy Antonello, Chief Actuary at the National Council on Compensation Insurance, will discuss “Workers Compensation Trends and Challenges in Construction.” You’ll learn about trends, challenges and ways to manage your Workers' Compensation program.
  • The View from My Seat offers tools you can use to manage new technologies, labor shortages, law and regulation changes, and other evolving construction risks.
  • Jim “The Rookie” Morris shares his inspirational and motivational story.
  • Breakout Sessions and Snap Talks dive into topics like contracts, design liability, construction delays, and your supply chain.

Who attends CRC?

  • General contractors.
  • Subcontractors.
  • Project owners and managers.
  • Developers.
  • Construction lawyers.
  • Insurance agents, brokers, underwriters, and adjusters.
  • Consultants and service providers.

Why should you attend CRC?

Consider attending the CRC to gain several practical benefits that help protect and grow your business.

  1. Gain knowledge about emerging risks, trends and solutions so you can manage threats that affect your projects and operations.
  2. Position yourself as an expert by applying new information to improve your services and reputation.
  3. Expand your professional network and collaborate with peers, vendors, and advisors.
  4. Identify your insurance needs and make more informed coverage decisions.
  5. Rejuvenate your mind and body by taking focused time for learning and recovery.

How do you register?

Registration details and rates vary by year; check the conference website for current deadlines and pricing. Many conferences offer early-registration discounts and special rates for owners and contractors, and some provide registrant satisfaction guarantees.

If you want help evaluating coverage options after attending sessions, talk to an agent.

Insurance and resources

After learning about construction risks at the conference, you may want to review specific insurance solutions. See Builders Risk Insurance — New Residential Construction for residential project coverage options and New Commercial Construction Builders Risk for commercial construction considerations.

Next steps

Decide which sessions align with your risk priorities, schedule time to meet peers and experts, and plan how you will apply what you learn to your risk management and insurance strategy.

Frequently Asked Questions

Who should attend the Construction Risk Conference?

The conference is useful for general contractors, subcontractors, owners, developers, construction lawyers, insurance professionals, and consultants who manage construction risk.

Will the conference cover insurance topics relevant to my project?

Yes; sessions typically address insurance trends, coverage considerations, and strategies to identify and manage project-specific exposures.

Are there opportunities to network with peers and vendors?

Yes; the conference schedule usually includes networking events, breakout sessions, and exhibitor time for making professional connections.

How can I learn more about builders risk for my projects?

Review specialized builders risk resources and consult an insurance professional to match coverage to your project type and risks.

Scurich Insurance Services 831-661-5697 Website
 

7 Tips for Hiring Reliable Construction Independent Contractors

Your construction business depends on independent contractors who may perform a variety of tasks, including demolition, installation or painting. Because your business depends on quality work performed in a timely manner, use seven tips to ensure you hire reliable independent contractors.

For guidance on vehicle coverage for contractors, see Contractors/Construction Trades Business Auto.

If your projects involve potential pollution or environmental exposures, review options like Mechanical Construction Monoline Contractors Pollution Liability (MCPL).

Hiring reliable independent contractors

  1. 1. Preview previous work.

    Check out jobs the independent contractor has already completed. Do they match the scope of your project and meet your quality standards? If so, you can reasonably expect the independent contractor to successfully complete your job, too.

  2. 2. Do a background check.

    Your reputation, business and future career can depend on the work your independent contractors perform, and you may be liable for their actions on the job site. Perform background checks and assess the contractor's work history and any recent criminal charges.

  3. 3. Check insurance paperwork.

    Independent contractors should carry insurance appropriate for construction site hazards. Inspect their certificates and policies to ensure coverage is adequate before work begins.

  4. 4. Complete a W-9.

    Independent contractors are not employees, and they must complete a W-9. This form includes their name, address and Social Security number (SSN) or Employer Identification Number (EIN) and indicates they are exempt from tax withholding. Reliable contractors will readily agree to sign a W-9.

  5. 5. Discuss Form 1099-MISC.

    The IRS requires you to file Form 1099-MISC for independent contractors paid $600 or more in a year. If a contractor refuses to provide a current address or asks you not to file required tax forms, consider that a red flag.

  6. 6. Sign a contract.

    A contract is an agreement between you and the independent contractor. It should include the project timeline, payment schedule, work expectations, a statement of independent-contractor status, and termination and nonsolicitation terms. Work only with contractors who will sign a project-specific contract.

  7. 7. Pay via invoice only.

    Independent contractors should submit invoices when work is finished. Pay those invoices and not other expenses that are the contractor's responsibility, and confirm your paid invoices match amounts reported on Form 1099-MISC at year end.

Hire reliable independent contractors for your construction business when you use these seven tips. For more assistance, talk to an agent or business consultant.

Frequently Asked Questions

How can I confirm a worker is truly an independent contractor?

Check their contract terms, control over work methods, whether they provide their own tools and their tax form status; consistent documentation and a signed contract help support independent-contractor classification.

What insurance should I require from contractors?

Ask for general liability, workers' compensation (if applicable), and any project-specific policies; require up-to-date certificates of insurance naming you as an additional insured when appropriate.

Why is a W-9 necessary before paying a contractor?

A W-9 provides the taxpayer identification needed to prepare Form 1099-MISC and helps you comply with IRS reporting requirements.

What should an invoice include to make payment and tax reporting easier?

Invoices should list the contractor's name, address, EIN or SSN (if appropriate), a description of work, dates, amounts due and payment terms to match year-end reporting.

Scurich Insurance Services 831-661-5697 Website
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