what does risk mean to you?

Lighted orange sawhorses in the foreground, subway cars and a construction vehicle in the background

You know the dangers. You don’t need us to tell you about them. But—every once in a while—it’s nice to double check. It’s easy to get complacent and comfortable, especially when it comes to insurance. Because you don’t really think about it… until something bad happens.

So, we’ll just post this friendly reminder: The risks in the construction industry are significantly higher than most. It’s important that you take steps, like using risk assessment tools and risk management methodology, to protect your business from the legal and financial liability that comes with these risks.

Help Minimize Your Risk With These Easy To Use Checklists

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Contractor Equipment and Tool Theft

HVAC Unit with a tool bag sitting on it
Contractor Employee Theft

Person typing on a laptop computer with a coffee cup, level and work gloves near
Data Breach and Cyber Security Risks

Whether you use these lists as quick safety reviews or as conversation starters with employees, checking them out is worth a few minutes of your time.

To help keep your most important assets – your employees – safe while on the job, here are a few quick questions to test your safety procedures:

  • Do your foremen and team leads understand their safety responsibilities?
  • Do you review all accidents/incidents soon enough to put controls in place that prevent future issues?
  • Do you have safety measures in place in case of a fire, tornado, flood, work incidents, etc.?
  • Do you properly train your new crew on safe work practices before working a job?

The Most Common Risks Contractors Face

There are common industry risks that you and your business face on a daily basis:

  • Worksite injuries
  • Third-party lawsuits
  • Property damage from disasters
  • Equipment breakdown from user error
  • Work vehicle accidents

Each construction industry has its own dangers. It’s obvious: electricians are more likely to be electrocuted, plumbers and HVAC technicians are more likely to have problems with hot work, and roofers are more likely to fall. So do something to prevent the inevitable.

Avoiding the Biggest Risk

Do you know what the biggest risk is? The risk that closes more businesses than any other cause? The risk that is easiest to avoid?

Being underinsured.

Don’t take that risk. It’s one that never ends well for anyone.

Working with Westfield Insurance to Get Covered

Westfield Insurance agents understand your needs. In an industry where contractors work long hours, you don’t have time to deal with complex business insurance. That’s why we offer insurance products for contractors just like you. From the moment you speak to a Westfield agent, you’ll know you are speaking with someone familiar with your industry, someone who speaks your language, and someone who values your time.

FIND AN AGENT

Independent Westfield agents are ready to help you understand your risks and find the coverage you need. Use our online tool to find an agent near you today.

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WESTFIELD QUICK FACTS

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