Company Banner
Construction Industry Newsletter
December - 2010
Greetings!
 

I love December. And I hate December.

 

I love seeing the beautiful Christmas decorations and lights that adorn the streets of my town. I love Christmas Carols (so long as you don't start singing them in September). I love Christmas cookies. I love seeing family and friends that I don't get to visit with much at other times of the year. I love the sense of warmth and joy that the season brings with it.

 

But (and this is a big but), I hate the stress! Check out this video about The 12 Crazy Days of Christmas and see if you don't agree with me that the holiday season can be nerve-wracking, to say the least. If we're not careful, our comfort and joy can easily become pain and suffering! Silent Night and sleeping in heavenly peace are often not what characterizes these weeks for me.

 

Peace 

 

So is it possible to survive this crazy month of festivities without going completely insane? I think so. All it takes is having a plan. A Calendar helps me to keep organized. Sharing responsibilities with friends can alleviate some of the stress. And - dare I say it? - cutting back on some of the things I say "yes" to also lightens the burden (ok, so that's a lesson I'm learning slowly).

 

The bottom line is this: just knowing that there's a plan in place keeps me from feeling overwhelmed and stressed out. Merriam-Webster's defines a plan "a method for achieving an end; a detailed formulation of a program of action." Having a plan helps me to break life up into manageable parts and tackle them one at a time. It makes me feel more in control.

 

Often life hands us situations that are completely out of our control. In spite of our efforts to keep everything neat and orderly, sometimes we're faced with the unexpected. Here at Mason & Mason, we do our best to come up with an insurance program that even takes care of those times. So when things don't go exactly according to YOUR plan, we make sure there's a backup plan in place to protect you from the things that you didn't see coming.We take pride in analyzing your needs and putting together a program that works for you, offering you great coverage at an affordable price. Planning is our business. :)

 

Merry Christmas from all of us at Mason & Mason. We hope this newsletter finds you happy, healthy and enjoying the holiday season. May peace on earth be a reality in your life as you celebrate Christmas this year!

Tom

 
 
Tom Messier, Vice President
Mason & Mason Insurance Agency
M&M Assurance Group 

P.S. If you enjoy this newsletter, check out our website at www.mmins.com. Click the "Clients" tab at the top of the page and then enter the site with username: "Client" and password: "INFO4U". You'll find more helpful articles on a wide range of topics. We'd love for you to LIKE us on Facebook (and invite your friends!) If you have any questions, give us a call at (800) 298-0802. We'll be happy to hear from you! 

PROTECT CONSTRUCTION WORKERS BY PREVENTING FALLS

conveyer
The federal Bureau of Labor Statistics reports that, since 1992, 600 to 847 workers per year have fallen to their deaths while on the job. Falls accounted for 14% of workplace fatalities and a number of catastrophic injuries in 2009. Falls on construction sites also cost contractors and their insurance companies enormous amounts of money for Workers Compensation medical and disability benefits and for liability settlements and judgments. It therefore makes moral and financial sense for contractors to take precautions to prevent falls from happening. This means identifying Construction accidents have wide-ranging effects on a contractor's business. They cause pain and suffering for employees, hurt the morale of other employees, deprive the business of the injured employee's talent and skill, hurt productivity, require paperwork, increase Workers Compensation costs, and possibly subject the business to penalties from regulators. It makes both moral and good business sense for a contractor to implement safety measures. When choosing the specific protections to put in place, the contractor should consider a number of factors to ensure the effectiveness of the program.

The contractor should examine the reasons why an unsafe condition exists. If the contractor integrates safety considerations into all procedures, injuries will become less likely and less severe. Therefore, it is important to look into the reasons why, for example, a scaffold was improperly guarded, why workers using cutting tools were not wearing eye protection, why a crane operator left the engine running while he was out of the cab, or why workers used power drills with frayed electrical cords. These are symptoms of a workplace culture that overlooks safety concerns. Sending the right messages and incentives about safety will gradually change the culture and reduce accidents.

With a new system and culture in place, the contractor can focus on specific hazards, such as...

 
MORE  

 
 

PREVENT JOB SITE INJURIES THROUGH GOOD DESIGN

girders

The process of erecting a new building involves thousands of large and small decisions. These range from where to build, the building's size and shape, materials, appearance, windows, heating and cooling systems, and so on. All of these decisions affect the quality of the finished building, the amount of maintenance it will require in the future, the cost of using it, its appeal to prospective tenants, and its ultimate market value. Design decisions also have a major influence on another area that might not be readily apparent to the planners:  Liability insurance policies include provisions, known as "exclusions," that limit or eliminate coverage. Insurance companies put exclusions in policies for various reasons: Because another type of policy covers that kind of loss, to limit the cost of the insurance, and because some types of losses are so severe that they are uninsurable (for example, losses resulting from a war). Many exclusions eliminate coverage for some incidents or things but give it back for others. The Commercial General Liability policy (CGL) does not cover losses for which the insured assumed liability under a contract, but it gives back coverage for liability assumed under "insured contracts," as the policy defines that term. However, there are some exclusions, called "absolute exclusions," that eliminate coverage entirely with no give-back. Left unaddressed, these exclusions can leave a business exposed to large uninsured losses.

Insurance companies did not create these exclusions to cheat their customers. Rather, over the years they found that courts were interpreting policies in ways that the companies had not intended. In the 1970s and early 1980s, companies used wording such as, "Coverage does not apply to," or "to any claim based upon." They thought this language clearly stated that they did not intend to cover certain losses. Some courts disagreed, found the wording to be ambiguous, and ordered...

MORE... 

 

Temporary Worker Leads to Long-Term Problem for GC
LadderKyle Sinclair was a temporary worker assigned to KC Construction, Inc., at a residential project. Sinclair was an employee of ABC Labor, Inc., a firm that places temporary, unskilled or semiskilled workers with construction contractors. According to Sinclair's work tickets, his duties were to include "site clean up and moving materials."
 
 During Sinclair's second week on the project, he was instructed to dismantle a temporary frame that had been erected to protect a curing concrete floor from the weather. The frame consisted of a two-by-four framed wall approximately 8 feet in height.

Sinclair leaned a twelve-foot ladder against the temporary structure and commenced removing the horizontal bracing that was supporting the wall. Once the brace had been removed, however, Sinclair's own weight caused the wall to topple. Sinclair and the ladder he was standing on fell on top of the wall.

Sinclair sustained a serious fracture with tendon and ligament damage to his lower leg and has been left with a permanent disability. Through his legal counsel, Sinclair has now presented a General Liability claim against KC Construction. The claim, if KC Construction is found to be liable, has a potential settlement value in excess of $500,000.

solution.jpg

Sinclair's direct employer, ABC Labor, is immune from suit under Washington's worker's compensation law. However, the Washington courts have repeatedly held that worker's compensation immunity does not extend to a general or prime subcontractor.

KC Construction's greatest exposure flows from the fact that Sinclair was not instructed on how to go about dismantling the wall. Sinclair's legal counsel argues that the supervising employer (KC Construction) should have assumed that a temporary employee could not perform even rudimentary carpentry tasks without training and close supervision.

The lesson to be learned from Sinclair's unfortunate accident is that, if a general contractor must utilize temporary unskilled labor, the temporary employee's scope of work should be limited to basic job site maintenance and unskilled tasks. Furthermore, temporary workers should be provided with job site safety instructions and must be supervised more closely than subcontractors and skilled laborers.

General contractors should also be cautious if requested to defend and indemnify a temporary staffing firm. It is advisable to have legal counsel review any documents requiring a general contractor to hold harmless a temporary labor firm in the event of general liability claim. Though many temporary staffing firms will not agree to it, ideally a general contractor should seek to be defended and indemnified by the staffing firm, not vice-versa.

About Mason and Mason
For more than 20 years we've been committed to meeting the insurance and bonding needs of the construction industry. The success and leadership of our practice has led to strategic and proprietary relationships with insurance companies similarly committed to the industry. Our clients benefit from our insurer relationships in the form of products designed with their special needs in mind. Our access to many construction specialty insurers also assures our clients are afforded a range of options at various cost levels in order to match the level of protection for their particular needs. As important as these insurer relationships are, our true competitive edge is the people who serve our clients. We have team of construction insurance professionals who understand the complexities of the worker's compensation and general liability insurance regulatory environment as applied to the industry. We leverage this specialized knowledge and our broad risk management expertise to the benefit of our construction industry clients. 
 

 
Mason and Mason Insurance      M&M Assurance Group
458 South Avenue                                        3304 White Mountain Hwy
Whitman, Massachusetts 02382                    North Conway, NH 03860
T (800) 759-1452                                          T (800) 298-0802
F (781) 447-2832                                           F (603) 356-9290 
In This Issue
Preventing Falls
Good Design Prevents Injuries
Avoiding OSHA Penalties
Temporary Workers
OSHA Lead In Construction Manual
 
   
 OSHA
 
 
Looking for more resources about Lead Paint Compliance? Click here for your copy of OSHA's Lead In Construction Manual!
 PAYROLL DEDUCTED WC
 
Mike's Bikes Logo
 
If you've heard about payroll deducted workers comp and have questions, give us a call! We can fill you in on the advantages (and disadvantages) of this program and see if it's right for you. That's what we're here for! :)

FIVE WAYS TO AVOID OSHA PENALTIES

 hardhats
  
In a one-week period in September 2010, the U.S. Occupational Safety and Health Administration announced eight citations against employers; penalties totaled close to $1 million. The agency fined a picture frame manufacturer for not protecting workers' hearing, allowing combustible dust to accumulate, and blocking exit routes. An excavating contractor is paying a six-figure fine for failing to protect workers against...


MORE...  

 
 
Join Our Mailing List
Thank You!
Because of your donations, we were able to ship 420 bikes to Namibia for the Bikes for Africa project! We packed 'em all up and shipped 'em out on November 30th... and had fun doing it! Check out the photos on our facebook page
 
Quick Links