Liga Asuransi – Dear reader, how are you? Yes, we are continuing discussions on risk management and insurance around the construction world.
As we all know, working in construction is not for the faint of heart. You need to be able to work in a fast-paced environment with heavy materials, equipment, and machinery.
You also need to be able to work in high places and outdoors under all types of adverse weather conditions. For example, this could mean installing shingles all day on a rooftop in sweltering heat and with the sun beating down on you.
Our goal is to help our clients such as employers, workers, construction engineers, project managers, and regulatory bodies identify problems in construction design, project management, and management of field engineering changes. Hopefully, this information will help reduce future incidents, fatalities, and serious injuries.
Construction work always makes the annual list of the most dangerous jobs. Hundreds of workers in this industry die on the job each year, and tens of thousands suffer severe injuries.
This article is based on information we collect from the internet. If you are interested, please share it with your colleagues so that they also understand you.
There are several ways that construction workers can get injured, here are five are the most common:
Falls
Falls are by far the leading cause of construction accident fatalities. STATISTIC says that slips and falls on a construction site account for approximately 40% of all worker deaths.
As mentioned earlier, construction workers frequently do jobs in high places, such as on roofs, ladders, and scaffolds. Slipping and falling from heights is a major cause of serious injury, and construction companies need to be proactive and take steps to ensure that their workers are using proper safety equipment and following the best practices to avoid these types of accidents.
Struck By/Struck Against Events
Another danger that is prevalent on a construction site is getting hit by heavy machinery, materials, or loose objects, or getting thrown against a hard surface such as a wall or the ground. On construction projects where there are multiple levels, loose objects such as beams, materials, and debris have been known to strike workers that are on lower levels.
This goes to a lack of organization, and again, construction companies need to do a better job of protecting their workers against this type of hazard.
Electrocutions
The third leading cause of construction worker fatalities is electrocution. Because construction sites are a “work in progress”, there are typically a lot of loose wires, lighting, unfinished electrical systems, and power lines in the area.
Construction workers who are doing jobs near these electrical hazards need to use the right equipment and be properly trained to exercise extreme caution.
Caught-In Between
Caught in-between or crush injuries are the fourth leading cause of construction worker fatalities. Construction sites are filled with heavy machinery, tools, and materials, and workers often find themselves trapped between immovable equipment and/or objects.
STATISTIC also puts collapsing structures in this category. Getting caught in-between can lead to some very serious injuries, such as severe fractures and amputations/loss of limbs.
Being Hit by Vehicles
With a typical construction project, multiple vehicles are frequently carrying materials into and out of the site. Many sites are also located near highways or busy roads where there are cars and trucks continually driving by.
When these drivers are distracted or it is dark, they may not see a nearby construction work until it is too late. Vehicle accidents are especially common in road/highway construction zones, where workers are doing projects alongside oncoming traffic.
Other accidents
On top of the above major accidents, numerous other kinds of accidents can occur at a construction site. Some examples include:
- Crane and hoist accidents.
- Elevator shaft accidents.
- Exposure to toxic substances.
- Forklift accidents.
- Gases leaks, fires, and explosions.
- Misuse of tools and machinery.
- Overexertion/repetitive stress injuries.
Construction accidents are sometimes the fault of third parties, such as subcontractors, vehicle drivers, and product manufacturers or distributors. With so much at stake and so many different variables involved in cases like these, it is strongly advisable to work with experienced insurance brokers who have a proven track record of success in this area of the law.
Other the above major accidents, below are more detailed Construction Accidents information on your legal options if you have been injured in one of these types of accidents:
- Bricklayer Accidents
- Building Collapse
- Carpenter Accidents
- Construction Safety Gear
- Construction Site Falls
- Crane Accidents
- Crane Accidents: Facts and Statistics
- Debris on Stairs or in Work Areas
- Defective Ladders
- Defective Power Tools
- Demolition Accidents
- Dropped Loads from Trucks or Cranes
- Electrocution Accidents
- Elevator Accidents
- Excavation Accidents
- Falling Object Accidents
- Faulty Stairs
- Fires & Explosions
- Forklift Accidents
- Heavy Equipment Accidents
- Hoisting Accidents
- Holes in Construction Floors
- Improper Cleanup & Maintenance
- Ironworker Accidents
- Ladder Accidents
- Maintenance Worker Accidents
- Nail Gun Accidents
- Open Elevator Shaft Accidents
- Painter Accidents
- Plumber Accidents
- Roofing Accidents
- Saw or Cutting Blade Accidents
- Scaffolding Accidents
- Slips, Trips & Falls
- Staging Collapses
- Trench Accidents
- Tunnel Accidents
- Union Worker Accidents
- Wall & Roof Collapses
- Welding Accidents
- Window Installation Accidents
- Worn or Defective Rope or Cable
Many construction site accidents could be avoided if contractors, subcontractors, developers, and employers would follow the proper safety procedures. Far too often, however, this does not happen, and construction workers suffer as a result.
And while there are many ways a worker could be injured when safety precautions are not taken, the vast majority of construction accident injuries break down to a few key injury mechanisms, according to the Occupational Safety and Health Administration.
Conclusions
Construction is one of the most dangerous jobs because of the high risk for accidents among workers.
Construction sites are usually unstable by nature, one-quarter of construction workers have been injured on the job. Furthermore, injuries from construction accidents often cause very serious injuries, and these accidents may even be fatal.
To avoid the impact of a construction accident financially, for that, you need risk planning by using the best risk management. One way of risk management is to transfer the risk to the insurance company.
Why do you need an insurance broker for your Project insurance?
Insurance brokers are insurance experts who understand well the ins and outs of insurance coverage. They understand the insurance coverage you need.
They design insurance programs and negotiate them with several insurance companies that can provide the best guarantees.
In addition, insurance brokers also negotiate the most efficient premium rates without reducing the guaranteed benefits provided by the insurance policy.
One of the insurance brokers companies in Indonesia experienced in the field of construction insurance in Indonesia is L&G Insurance Broker.
For all your company’s insurance needs contact L&G right now!
Sources:
- https://www.fountaininjurylaw.com/ten-most-common-construction-accidents/
- https://www.bjc4ga.com/5-common-types-of-construction-accidents/
- https://www.blockotoole.com/ny-construction-accidents/
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L&G HOTLINE 24 HOURS: 0811-8507-773 (Call – Whatsapp – SMS)
website: lngrisk.co.id
E-mail: customer.support@lngrisk.co.id
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