Carpentry contractors, who work on wooden structures or parts thereof, should always carry carpentry insurance. These carpenters can be primary on a job, or they can be subcontractors brought in from elsewhere. Carpenters come in all varieties and levels of skill. Some conduct engineering and design; others work from pre-submitted plans. There are rough carpenters, finish carpenters and framing carpenters. All should carry a solid insurance policy.
Far too many contractors are not prepared for severe and inclement weather on the job. Especially in the South along the coasts, hurricanes can wreak havoc to job sites several times a year. If you are not prepared, you are asking for losses to the tune of anywhere from hundreds to hundreds of thousands of dollars in damages, loss and liability. Make sure that you are ready the next time a hurricane roars its way across your job site.
The Action Plan
Every contractor should have an action plan in place to reduce the dangers of hurricane season. Driving rain, high winds, lightning and other hazards are rampant during these months and it is vital to know how to handle it.
This plan should designate a specific staff member who is responsible to keep an eye on the weather reports, a method of communicating these reports to workers and management, routes for evacuating the site, head count procedures, gathering areas and procedures for locking down equipment as well as shutting down the site. Regular safety meetings should be held to review and update these procedures.
A hurricane forms over water, and then moves toward land. Just about the only nice thing about these weather disasters is that they tend not to catch you off guard. You will have plenty of warning before the hurricane hits — to the tune of several days. The hazards presented by hurricanes include:
- High, damaging winds
- Deluges of rainfall that can cause severe flooding
- High waves that pose a danger to life and property
- Drowning from flooding or waves
- Severe damage to utilities, vehicles, structures and roads
- Flying debris that can be deadly
- Sudden surges in storms
It is vital to take the proper preparatory and safety actions against this type of severe weather event. First, be sure you are covered with flood insurance, equipment insurance and general liability insurance. Remember that with a hurricane you’ll have several days to prepare for the storm’s arrival and put your plan of action into play. Take this time to get an early start and be very thorough in your precautions and safety plan implementation.
Actions to Take
There are several standard possible actions that you should take when the hurricane rolls in. First, do not remain near the shore. Get your people and equipment as far from the shoreline as humanly possible. Pack up your equipment, lock it down and remove it to a safe area that is preferably built to withstand the gale-force winds that will soon hit. Any booms, cranes, aerial lifts and similar equipment should be lowered and removed. These items can form deadly projectiles if caught in high winds.
If an evacuation order comes down, don’t question and don’t ignore. Get out of the area immediately. Do not ever try to return to the area until authorities issue an all clear and give permission for people to come back. Even after the hurricane passes, unstable structures and standing or flowing waters can pose a danger.
When all is said and done, your solid insurance policy should hopefully cover any damages you suffer. If you need to check your policy or upgrade it for better cover, we can help. Contact us for a quote today.
Elements of Preventative Maintenance Procedures
The moment you purchase a machine or piece of heavy equipment, it is vital to begin preventative maintenance. Keeping on top of your equipment is the best way to ensure that you don’t suffer tragic accidents that can be costly, not only in terms of insurance premiums and money but also in human lives. Remember: maintenance does not end until you dispose of the machine and it is no longer on site. Here are the elements of proper maintenance procedures.
As a commercial truck driver in California you’re probably used to traffic congestion that would probably shock drivers anywhere else in the country (but not you). Shock value aside, there is still something stressful about operating your vehicle in the congested parking lot that is the 405 knowing that at any moment your career could come to a crashing halt in an instant. A quality commercial truck insurance policy will help you avoid the financial repercussions associated with an accident, but such a policy might seem unnecessarily expensive. For that reason, quite a few contractors have opted for cheaper policies that provide inadequate coverage. Listed below are three ways for you to identify whether or not cheap truck insurance California is too good to be true.
For those who don’t understand the equipment needs of commercial painters the idea of painters equipment insurance may seem like a far-fetched idea. But, if you know the industry you know that being a painter goes way beyond a few paint brushes and rollers. You probably have drywall sanders, sprayers and even lifts to get you to those hard to get spots that amateurs couldn’t hope to reach. But, all of that equipment comes at a price and, without it, could leave your business vulnerable to the competition. With painters equipment insurance you won’t have to worry about losing a piece of equipment due to an accident leaving you in a position to focus more on the project at hand and less on replacement costs. Here’s what you need to know.
Painters Equipment Insurance – What is covered?
There are a few different ways to cover the equipment you are using on your project but we’ll be focusing on painters equipment insurance. With the help of an independent insurance agent you should be able to find an insurance company that will tailor a policy to your needs. Listed below are the typical kinds of equipment covered under a traditional equipment insurance policy.
- Mobile equipment
- Hand tools
- Cranes and bulldozers
- Compressors, pneumatic tools and cables
Other types of equipment can also be covered. But, that will depend on your provider and their specific requirements.
When Will You Need Painters Equipment Insurance?
Regardless of whether or not you are renting equipment or if you own equipment, equipment insurance will ensure that you are covered for any loss or damage to equipment that you are using on site. Now, there are two groups of equipment that you can sort your tools into; scheduled and unscheduled. Those pieces that cost more than $1,000 should be scheduled while smaller, less expensive equipment can be bundled into one policy.
Now, just because your equipment is damaged does not guarantee that you will be compensated with enough money to buy a new piece of equipment. Most providers will use an Actual Cash Value (ACV) mode of compensation. So, whatever the cost of your used equipment may be is what the insurance company will compensate you with.
If you have any further equipment insurance questions please feel free to give us a call at 1-800-649-9094. We look forward to hearing from you!