Month: January 2020

5 Types of Insurance for Joisted Masonry

Every Masonry Business should have consider the follow types of insurance

What is joisted masonry construction in insurance? Joisted Masonry is a specific type of niche within the construction industry that deals with the exterior walls of materials including adobe, brick, concrete, gypsum block, hollow concrete block, stone, tile, or similar materials. These materials have combustible floor and roof that insurance carriers assign a specific code that indicates the ranking of the fire restrictiveness of the material. The rankings are determined by Insurance Services Office, Inc. (ISO) on a scale of 1-6. Because masonry businesses have elevated risks, insurance carriers charge more for several different types of commercial insurance. Because of this cost, business owners in the Joisted Masonry Niche need to make sure they have precisely the right mix of insurance policies for their unique business. Here are five types of insurance all business owners operating in this should consider.

Joisted Masonry Stairs

General Liability

A General Liability Insurance Policy covers bodily injury and property damage to outside third parties. These damages include customer injuries, customer property damage, and lawsuits related to these claims. The GL Policy will pay expenses related to third-party injuries and property damage up to the limits of the policy. This type of insurance is frequently required for leases and other contracts.

Workers Compensation

Workers’ compensation insurance helps protect masons, contractors, carpenters, roofers, electricians, deck builders, siding installers, and other construction workers. This specific type of insurance covers construction businesses by providing medical, disability, survivor, burial, and rehabilitation benefits to employees who are hurt on the job or die in a work-related accident.

Commercial Auto

Commercial Automobile Insurance is different from a personal auto policy.
Commercial auto policies tend to have higher coverage limits compared to personal policies, because business vehicles need more protection in case of accidents. A Commercial Auto Policy provides coverage for vehicles used by a business and covers damage to the businesses vehicle, driver injury, injury to outside third parties, and damage to other people’s property. An additional Hired and Non-Owned Auto Policy can be added if a business has employees who drive their own car for business purposes.

Inland Marine

An Inland Marine Insurance Policy is a specialized type of property insurance. ALso referred to as ‘Equipment Coverage’, Inland Marine covers property that is likely to be moved or in transit. It also can be used for highly specialized property. The most commoon types of equipment that need inland marine coverage are construction equipment, transportation cargo, mobile medical equipment, cameras and movie equipment, musical instruments, fine arts, solar panels and other related equipment.

Surety Bond 

A Surety Bond is a Contractual Agreement between three parties, the principal (business), the surety (the insurance carrier), and the oblige (the party requiring the bond). Bonds are usually issued between two businesses or a business and a contractor. The Surety Bond protects against financial loss due to the principals’ failure to complete a project or failure to meet contract specifications. The bond guarantees the principal performs in accordance to the contract obligations and if they do not, the bond pays up to the limits of the policy.

Safety Tips for Joisted Masonry Businesses

5 Common Areas for injuries among Masons and tips to prevent each risks. 

Cement, Building, Wall, Concrete, Brick, Construction

Joisted Masonry is an industry that deals with construction and repair of exterior walls made of brick, concrete, concrete block or stone.  The roof, floors, and their supporting joists, beams, and columns are combustible wood construction. Employees who engage in these activities work at an elevated amount of risk of injury. Preparing a business

5 Common Injuries of Joisted Masonry Employees

Lower Back Injuries

People who work in the joisted masonry industry are constantly using their backs in difficult positions. Preventention of lower back injuries starts with providing employees with proper safety gear, monitoring their use of said gear, and focusing on posture when lifting heavy objects.

Skin Irritations

Masons are exposed to a number of dangerous chemicals.  Continual wetting and drying of the skin, as well as handling some particular substances will cause the skin to dry out, flake, split and crack. Dermatitis is the most common cause of occupational contact dermatitis. According to the Mayo Clinic, “Dermatitis is a common condition that has many causes and occurs in many forms. It usually involves itchy, dry skin or a rash on swollen, reddened skin. Or it may cause the skin to blister, ooze, crust or flake off”.

Falls from Height

According to OSHA, “Falls are among the most common causes of serious work related injuries and deaths”. These types of injuries do not happy frequently, but when they do they are often severe. Having a plan to keep employees healthy at height and making sure all employees are executing that plan is the best way to prevent catastrophic injuries from occurring.

Exposure to Flammable or Combustible Material

In order to prevent unnecessary exposure to chemicals it is important to segregate and store incompatible chemicals separately. If there are chemicals that are not used frequently, store them separate from tools and equiment that is used on a daily basis. Tell your employees what is and is not harmful. If at all possible use chemicals that are not dangerous to your employees whenever possible.

Exposure to Electricity

Electricity is the second lead of cause of death in the construction industry behind falls from height. In the construction industry, more than 600 deaths occur annually and more than 30,000 non-fatal shocks occur each year. Masonry businesses can prevent this from occurring by properly training and adequately supervising all staff when electricity might be a risk. 

Texture, Masonry, Stones, Old Brick Wall

4 Tips to Creating a Culture of Safety at your Masonry Business

Plan ahead and prepare

For any safety plan, the first step to creating a culture of safety is to plan ahead and prepare. Once a business takes the first step to prepare for safety, the business is well on its way towards creating a safety plan that will work. 

Create a safety plan and follow it

Now simply having a meeting and announcing that safety is a concern is not enough. Creating an actual plan that addresses the truth risks your employees face is the best way to implement a safety plan. Talking long and honestly with multiple stakeholders about the actual problems the employees face is a great way to determine what you need to address. 

Get employee involvement in the creation of the Safety Plan

After a business determines what risks the employees face, the business must next determine how to address those risks. Getting involvement from employees at all levels of the organization is the best way to coem up with the ultimate safety plan. Involving low level employees as well as mid-management is crucial to get buy-in from all levels. Employees will be more eager to focus on the safety plan if they believe they are part of the process of creating it. 

Create a safety committee

Creating a safety committee is a great way to continually evaluate the successes and failures of the safety plan. This committee should have employees at all levels of the organization in order to get buy in throughout all levels of employees. regular keetings of this committee are necessary in order to address any and all problems that arise.