A Guide to Business Insurance for UK Marine Trades

 

Click Here Construction sites can be hazardous places to work. Materials and tools are often thrown around. Large, heavy objects can be moved from one place to another. Chemicals are used to unleash great forces. Sometimes, pressure and torchlight may be used. Even the most safe job sites can be dangerous.

There are two types of accidents at construction sites: height-related and everything else. "Everything else" could include tripping on a hammer or getting electrical shock. Defective or unsafe machinery can also cause injuries. "Height-related", usually refers to a fall or an object that has been dropped from above.

Construction site accidents can often lead to serious injuries. There are often many companies involved in an accident. It is not always easy to determine who is responsible. The injured worker may not know that a company is responsible, including the owner of the site, sub-contractor or construction manager, as well as materials suppliers and general contractors. There are many rules and regulations that can be used to ensure worker safety. Negligent parties may use sophisticated defense lawyers to get around them.

Complicating matters is Worker's Compensation insurance which every employer must provide to their workers. If you are a mason, carpenter, electrician, laborer, iron worker, or painter, your employer cannot sue you. Worker's Compensation is not guaranteed. It pays a small amount for lost wages, and can sometimes take a long time to reach the injured claimant. New York's Worker's Comp law does not allow you to sue an employer. This is a difficult matter. This involves determining who was at the job site and where.