As a general contractor, managing risk is a critical part of ensuring the success and safety of your construction projects. With responsibilities ranging from overseeing workers and subcontractors to handling heavy equipment and materials, contractors face various liability, safety, and property risks. Implementing strong loss control measures can help minimize costly claims and keep projects running smoothly. Here are some key strategies to consider:

1. Premises and Operations Liability

General contractors must proactively address liability risks to prevent accidents, injuries, and property damage. Consider the following steps:

• Establish a housekeeping program to secure tools and materials and minimize slip, trip, and fall hazards.
• Implement a fire protection plan and create designated smoking areas if necessary.
• Develop a trenching safety program with proper shoring, signage, and soil compaction.
• Enforce site security measures such as fencing and surveillance to prevent unauthorized access.
• Train employees on hot work safety, ensuring fire extinguishers are accessible.

2. Employee Safety

Workplace safety is paramount in construction. General contractors should:

• Implement a fall protection program and provide necessary training.
• Ensure compliance with ladder safety regulations.
• Conduct slip, trip, and fall assessments to identify potential hazards.
• Establish a personal protective equipment (PPE) program and ensure proper use.
• Train employees on trenching, excavation, and equipment use, with inspections conducted by a competent safety officer.

3. Equipment Protection (Inland Marine Exposures)

Construction equipment is a valuable asset, and theft or damage can disrupt operations. Contractors should:

• Maintain a detailed inventory of all machinery and tools, including serial numbers and conditions.
• Use nonremovable identification labels for easy tracking.
• Implement security measures like surveillance cameras, locks, and on-site security personnel.
• Require pre-use equipment inspections, ensuring that tools and machinery are in good working order.

4. Commercial Auto Liability

With frequent job site travel, commercial auto risks are significant. To reduce liability, contractors should:

• Verify that all employees have acceptable driving records by conducting annual motor vehicle record (MVR) checks.
• Provide safe driving training, including proper vehicle loading techniques.
• Ban cellphone use while driving to prevent distractions.
• Utilize telematics technology to monitor driving behavior and improve fleet safety.
• Implement a routine vehicle maintenance program to ensure compliance with FMCSA regulations.

5. Partnering with a Risk Management Expert

Managing construction risks requires a strategic approach. Partnering with an experienced insurance professional like the Chittenden Group can help contractors implement tailored loss control strategies to enhance safety, reduce liability, and protect their business.

Final Thoughts

By proactively addressing potential risks, general contractors can improve job site safety, minimize losses, and ensure long-term success. Don’t wait for an incident to happen—start strengthening your risk management program today!

Need expert guidance? Contact us to learn more about customized insurance solutions and additional loss control techniques.  (203) 723-7447