There are many risks that construction workers and contractors face on a daily basis. The obvious ones deal with working out on a construction site or using heavy tools and equipment. In addition to physical risks on the job, they also face challenges outside of the workplace. Here are some common dangers they face:
Waivers and contracts do not always hold up in court: While waivers and contracts are typical, a lot of the time they aren't written strict enough to ensure proper coverage. If you need a waiver drawn up, consult the help of a lawyer to make sure you’re completed covered. This will help down the road if problems come up.
Liability exposures from insurance gaps: Never get rid of insurance coverage, no matter how busy a time of year it is. You never know when an accident could happen. If a lawsuit comes up after coverage ends, contractors will be left out on their own. Also, cancelling then signing back up for coverage again doesn’t look good on your part and insurance providers will less likely cover you.
Losing personal assets in a lawsuit: One of the biggest troubles with lawsuits is that your own personal assets can be used to cover the costs if your business can’t afford to pay. It’s worth the monthly payments to make sure your business – and your personal life – are protected.
Injuries on the job: The most common danger of them all. Contractors and construction workers deal with the risk of getting injured while working daily. Between doing work with heavy tools and lifting heavy objects, it’s impossible to always prevent an accident. But when it does happen, it’s best to be covered and avoid potential lawsuits to go along with medical expenses.
Call us today to make sure you understand liability insurance and other coverage and plans you might need. Your business is one of the most important aspects of your life. Keep it protected.
Call Porter-Brandenburg Agency at (972) 234-5588 for more information on Dallas business insurance.