{"id":888003,"date":"2016-04-05T14:22:53","date_gmt":"2016-04-05T20:22:53","guid":{"rendered":"https:\/\/www.myconstructionexpert.com\/blog\/?p=888003"},"modified":"2016-04-05T14:22:53","modified_gmt":"2016-04-05T20:22:53","slug":"construction-site-injuries-are-you-covered","status":"publish","type":"post","link":"https:\/\/www.myconstructionexpert.com\/blog\/construction-site-injuries-are-you-covered\/","title":{"rendered":"Construction Site Injuries: Are You Covered?"},"content":{"rendered":"<p>Aylin Poulton | Whirlwind Steel Buildings &amp; Components | April 5, 2016<\/p>\n<p>For 2014, <a href=\"https:\/\/www.osha.gov\/oshstats\/commonstats.html\">OSHA<\/a> reported that there were 4,251 worker fatalities in private industry. Of those, 874 were in construction. In short, <a href=\"https:\/\/www.osha.gov\/oshstats\/commonstats.html\">one in five workers<\/a> who died on the job in 2014 worked in construction. That is nearly 17 deaths per week or more than two per day.<\/p>\n<p>In addition to fatalities, the OSHA report from that same year shows that there were over 200,000 non-fatal construction site injuries in the industry. That is over 3,800 non-fatal injuries per week or over 500 construction site injuries\u00a0per day.<\/p>\n<p>Imagine how much this could represent in insurance claims. Where are all these deaths and injuries coming from? What does an employer need to file a claim?<\/p>\n<p><strong>The Construction Fatal Four<\/strong><\/p>\n<p>The <a href=\"https:\/\/www.osha.gov\/oshstats\/commonstats.html\">four leading types of death<\/a> in construction are caused by:<\/p>\n<ul>\n<li>Falls<\/li>\n<li>Electrocutions<\/li>\n<li>Strikes by objects<\/li>\n<li>Getting caught in or between equipment or materials<\/li>\n<\/ul>\n<p><a href=\"https:\/\/www.myconstructionexpert.com\/blog\/fall-protection-trigger-height-may-change-in-oregon\/\">Falls<\/a> are by far the largest cause of workplace fatality in construction, accounting for nearly 40% of all <a href=\"https:\/\/www.myconstructionexpert.com\/blog\/construction-injuries-and-the-fatal-four-causes-of-death\/\">construction deaths<\/a>. In addition, all four are largely the cause of non-fatal injuries that result in missed work or the need to transfer to another type of job.<\/p>\n<p><strong>Violations of Standards<\/strong><\/p>\n<p>Death and injury are not causes, in and of themselves. They are often the consequence of violating safety standards set forth by the Occupational Safety and Health Administration and under local law. <a href=\"https:\/\/www.osha.gov\/oshstats\/commonstats.html\">Citations<\/a> for violating fall protection standards, failing safety standards for equipment use, and neglecting to develop and distribute a hazard communication plan all play a role in fatalities and injuries in an already dangerous profession.<\/p>\n<p>However, liability does not always lie with the contractor or construction company.<\/p>\n<p><strong>Placing Liability<\/strong><\/p>\n<p>Determining liability and whether a claim will be compensated requires taking into account the prevailing standards as well as identifying potential parties that may hold responsibility in the case. There are a number of <a href=\"http:\/\/injury.findlaw.com\/workers-compensation\/construction-injury-overview.html\">individuals involved<\/a> at a construction site:<\/p>\n<ul>\n<li>The site\u2019s landowner<\/li>\n<li>Designers and engineers<\/li>\n<li>Contractors, including general, prime, and subcontractors<\/li>\n<li>Construction managers<\/li>\n<li>Equipment and material suppliers<\/li>\n<\/ul>\n<p>Of course, there is also the injured party to consider, as well.<\/p>\n<p>Each has a duty and a legal responsibility that will be scrutinized during the course of the investigation into each accident. Construction is a complex project; with so many different people involved, insurance claims and legal action that stem from an accident in this industry is also complex.<\/p>\n<p>Typically, the chain of command is used to help determine responsibility, depending on how the workflow is set at a particular jobsite. Just because work has been delegated doesn\u2019t absolve the delegator and doesn\u2019t automatically pin liability on the delegate. According to FindLaw, <a href=\"http:\/\/injury.findlaw.com\/workers-compensation\/construction-injury-overview.html\">assessment of responsibility<\/a> includes determining \u201c\u2026the extent of a potential party\u2019s control over the premises on which the work is being done and the degree of their control over the work itself.\u201d<\/p>\n<table>\n<tbody>\n<tr>\n<td width=\"568\">\n<table width=\"100%\">\n<tbody>\n<tr>\n<td><strong><u>Roles and Responsibilities<\/u><\/strong>*<\/p>\n<ul>\n<li>\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 <em>Construction Site Owner:<\/em> Liable for any injury to individuals involved in project, caused by harmful condition on the land the owner reasonably should know of.<\/li>\n<li>\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 <em>General and Subcontractors:<\/em> Ensure work is being performed safely including hiring reasonably competent employees and ensuring compliance with safety regulations.<\/li>\n<li>\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 <em>Prime Contractors:<\/em> Responsible only for work in the \u201cprime\u201d contract, including work done by subcontractors selected and directed by the prime contractor.<\/li>\n<li>\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 <em>Architects and Engineers:<\/em> Level of responsibility determined by contract; can include observation to ensure compliance with plans and specs, site inspection for compliance to code regulations. Can be liable for injuries suffered by workers as a result of failure to meet professional standards.<\/li>\n<li>\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 <em>Manufacturers: <\/em>Liable for defective equipment design, manufacture, design, and sometimes maintenance.<\/li>\n<li>\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 <em>Insurers: <\/em>Parties may be required to obtain or provide insurance, including property, worker\u2019s comp, commercial general liability, employee\u2019s liability.<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><strong>OSHA Foundations<\/strong><\/p>\n<p>The Occupational Safety and Health Act of 1970 safety regulations have been adopted as the basis for state and local regulations in most of the United States. Further regulations may be put into place by the state or municipality as well as by the property owner or general contractor. However, depending on the location of the project, all that may need to be shown to prove negligence is that an OSHA regulation was violated and an injury resulted.<\/p>\n<p><strong>Worker\u2019s Compensation<\/strong><\/p>\n<p>Worker\u2019s compensation is provided as an alternative for injured workers who, without worker\u2019s comp, would need to file a lawsuit against the employer for compensation. This can be an expensive proposition and out of the financial reach of many employees.<\/p>\n<p>Worker\u2019s compensation covers hospital bills, treatment, diagnosis, and sometimes disability. It will also cover physical therapy or other rehabilitation.<\/p>\n<p>A worker\u2019s compensation system is available in some form in each of the 50 states. Depending on the rule of the particular system, an employee injured on the job is \u201c\u2026entitled to compensation for the injuries, regardless of employer negligence,\u201d according to <a href=\"http:\/\/www.alllaw.com\/articles\/nolo\/personal-injury\/construction-accidents-injury-claims.html\">AllLaw.com<\/a>. Worker\u2019s comp is a no-fault system and may be an injured worker\u2019s only coverage.<\/p>\n<p>The <a href=\"https:\/\/secure.ssa.gov\/poms.nsf\/lnx\/0452150045\">Social Security Administration<\/a> reports that the weekly compensation rate varies from a maximum of $468.63 in Mississippi to a maximum of $1628.00 in Iowa (as of 01\/01\/16 and 07\/01\/15, respectively).<\/p>\n<p>What injuries are covered by worker\u2019s compensation? Just about all of them, even if the injury was the fault of the worker. However, if a worker needs or wants to obtain more than worker\u2019s compensation provides many (if not most) worker\u2019s comp systems preclude lawsuits against the direct employer. At this point, the worker can sue a third party, such as an equipment manufacturer for defective equipment causing the injury.<\/p>\n<p><strong>What If the Injured Party Is Responsible?<\/strong><\/p>\n<p>If an injured worker is found to be responsible, it can lighten the employer\u2019s liability or shift it entirely to the worker depending on what occurred.<\/p>\n<p>For injuries that occur due to improper use of tools, failure to follow safety regulations, and inadequate training, the worker generally shares in the liability. However, <a href=\"http:\/\/accident-law.freeadvice.com\/accident-law\/construction_accidents\/road_construction_damage_to_car.htm\">machinery misuse<\/a> can be blamed on operator error, which may shift sole liability to the worker.<\/p>\n<p>It will depend on the insurance contract whether a claim will be honored under any circumstance. While responsibility is often shared between any number of individuals, it depends heavily on the depth of involvement and the actual cause of the injury whether a claim can be filed and whether the accident is covered beyond worker\u2019s compensation.<\/p>\n<p>&nbsp;<\/p>\n<p>*From <a href=\"http:\/\/injury.findlaw.com\/workers-compensation\/construction-injury-overview.html\">http:\/\/injury.findlaw.com\/workers-compensation\/construction-injury-overview.html<\/a>. Accessed 3\/30\/2016.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Aylin Poulton | Whirlwind Steel Buildings &amp; Components | April 5, 2016 For 2014, OSHA reported that there were 4,251 worker fatalities in private industry. Of those, 874 were in construction. In short, one in five workers who died on the job in 2014 worked in construction. That is nearly 17 deaths per week or&hellip; <a class=\"more-link\" href=\"https:\/\/www.myconstructionexpert.com\/blog\/construction-site-injuries-are-you-covered\/\">Continue reading <span class=\"screen-reader-text\">Construction Site Injuries: Are You Covered?<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","enabled":false},"version":2}},"categories":[8833,5],"tags":[9154,5],"class_list":["post-888003","post","type-post","status-publish","format-standard","hentry","category-construction-injuries","category-osha","tag-construction-site-injuries","tag-osha","entry"],"jetpack_publicize_connections":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Construction Site Injuries: Are You Covered? - Advise &amp; Consult, Inc.<\/title>\n<meta name=\"description\" content=\"OSHA reported that there were over 200,000 non-fatal construction site injuries. 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