Guidance for Protecting Construction Workers’ and Reducing Total Cost of Risk

By: Jamie Merendino, Leader, PMC Construction Workers’ Compensation Program

There are best practices that company owners in the Construction industry can take to create and maintain a safe and healthy workplace. Also, a safe workplace is good for business. It can impact operational, financial, and risk management performance, and a company’s ability to win certain contracts.

However, many company owners are not aware of the total cost of risk associated with injuries, accidents, and illness. The cost can be so high, it could put a company out of business.

Following is a compilation of guidelines related to Construction safety which could help reduce the total cost of risk.

10 Guidelines for Keeping Construction Workers Safe

  1. Instruct workers and visitors about the safety procedures on the site.
  2. Keep the site free of debris, spills, or obstructions that could cause falls. Instruct workers on how to recognize and remediate hazards on the site.
  3. Organize, visually inspect, and store tools properly and securely when not in use.
  4. Ensure that all tools are maintained as recommended by the manufacturer. Throw out damaged or defective tools and electrical cords.
  5. Have an emergency response plan that includes how to report accidents, injuries, or illnesses; how to evacuate the site in case of fire or other emergencies; and how to provide first aid or medical assistance to injured workers.
  6. Set up safeguards such as guardrails, nets, covers, or fences to prevent falls from heights or into openings.
  7. Use ladders safely, securely, and the way they were intended. Do not climb on scaffolds, roofs, or other structures that are not designed for that purpose.
  8. Wear personal protective equipment (PPE) such as gloves, eye protection, footwear, and respirators to protect against injury.
  9. Have regular pre-work safety meetings and/or ongoing communications so everyone understands the current and expected conditions throughout the worksite.
  10. Encourage workers to report any unsafe conditions or practices to their supervisor.

Determining how to deploy these guidelines is not always an easy task. Neither is deciding on the right metrics to gauge progress. The good news is that you don’t have to do it alone. Working with your insurance broker can help. For more information contact your insurance broker or me at

By PMC Insurance Group

Since 1996, PMC Insurance Group has worked to help independent agents grow their client base by offering workers' compensation solutions for a wide array of businesses. As one of the most distinguished workers' compensation wholesalers in the country, we have the tools and resources to help you create coverage programs for both small businesses and large accounts.