Liability Insurance

The insurance companies look over the contractor's safety record for the past five years. They look at the number of accidents and the severity. In addition, they want to make sure that all cases have been resolved. If the safety record has not improved, then the premiums will increase or the insurance company will not renew the policy.

Accident Cost Matrix (Approximate costs in 2008 dollars) | | |

Workers' Compensation Rates for Wrecking Iron or Steel Structure Workers, CA

II 1 II

INJURY TYPE

Amputation

Strain, sprain, crush, mash, smash

Fracture

Cut, puncture, laceration

Burn

Bruise, abrasion

Other

Body part

Non-lost time

Lost time

Non-lost time

Lost time

Non-lost time

Lost time

Non-lost time

Lost time

Non-lost time

Lost time

Non-lost time

Lost time

Head, face

NA

NA

NA

2,538

29,007

906

10,878

1,178

27,194

906

3,626

1,269

21,755

Eye(s)

(1)

163,163

NA

NA

NA

NA

906

10,878

725

18,129

1,088

3,626

1,088

18,129

(2)

525,747

Neck and shoulders

NA

1,269

25,381

5,439

29,007

906

10,878

1,178

18,129

906

7,252

1,088

25,381

Arm(s) and elbow(s)

(1)

688,910

1,269

14,503

3,626

21,755

906

10,878

906

18,129

1,088

10,878

906

21,755

(2)

906,460

Wrist(s) and hand(s)

(1)

188,544

997

9,065

2,538

32,633

906

10,878

1,178

18,129

906

14,503

1,269

29,007

(2)

906,460

Thumb(s) and finger(s)

29,0037 ea

997

9,065

1,269

18,129

906

10,878

725

18,129

725

10,878

725

18,129

up to 135,051

Back

NA

7,252

36,258

NA

362,584

906

10,878

1,178

27,194

1,160

18,129

1,269

36,258

Chest and lower trunk

NA

1,632

14,503

NA

NA

906

29,007

1,178

18,129

906

10,878

906

32,633

Ribs

NA

1,269

3,626

1,632

14,503

NA

NA

1,178

18,129

1,269

10,878

1,088

32,633

Hip

NA

NA

12,690

1,632

43,510

725

10,878

1,178

18,129

1,269

18,129

1,632

14,503

Leg(s) and knee(s)

(1)

322,700

1,360

14,503

1,813

54,388

906

10,878

1,178

18,129

906

10,878

1,088

29,007

(2)

1,015,235

Foot (feet) and ankle(s)

(1)

159,537

1,088

9,065

1,632

32,633

725

9,065

1,088

10,878

1,015

3,626

1,269

7,252

(2)

326,326

Toe(s)

25,381 ea

1,088

5,439

725

9,065

906

10,878

1,178

7,252

725

3,626

798

7,252

up to 145,034

Hernia rupture

725

29,007

Heart attack

108,775

Hearing loss

36,258

Death

326,326

Adapted from Table 2.1: Stanford Accident Cost Matrix (Costs in 1993 Dollars)

Stanford accident cost accounting.

Exhibit 5-28

Compensation insurance base rates.

Compensation Insurance Base Rates

CARfENTBY

Detached One and Two-Family Owelbngs Dwellings-Three Stones or Less

27.50 2679 16.01

9.10 9.74 5.59 15.45 13.87 20.72 7.89 11.74 25.98 15.53 8.39

17.20 12-36 1061

11.74 1132 15.76

9,62 23,27 7-80 1X19

11.41 2228 7.52 10.60

12.46 25.81

35.07

aBjflO

3360 21.06

12.90 16.48 1666

8.78 668 674

Woifc-Floor, yarU or sidewalks Construct«*» connection wttt Bridges or Culverts Wort-inctdesw Id the Constniction of Private BewJenco Constrocfcon HOC'

ELfCfHKW W1WIW WlfWN BUILDING

excavation

Kock E«awfran 4 Orwr Grading of Land NOC

19.07 29.67 1907 1638

PAJNIIHG OR FAPEflHANGJHO NOC AHO SHOP

1494 1494

422 502 7.68 9,53 42Î 5,02 768 9,53 6» 6.40 1067 941

10,00 10,00 19.49

PIASTER!HG OR STUCCO WOflK OH OUTSIDE Of BMIXllHG 17.88

>9.69 1669 1297

11.95 3623 1195

29-10 1050

17.60 11.36 25.79

467 5S4 5,11

SSS 1114 945

11.27 11,27 1021

10,93 1093

23-03

8.34 743 549

15.17 925 12.07

442 740_671

14.23 44.00 846 1045

SHEET METAL WORK - SHOP AMD OUTSIDE HOC STEEL OR IRON ERECTION

Dews ted Door Frame, « Sash Ereewi -Metal Consnïjctjw o4 Dwellings Not Over Two Stories

1660 1825 »46 1660

_S27 S41 848 827_

22.62 31.77 34.47 11.48 17,75 1748 25.68_51.78 3245 34.57 47.57 21.91

ies2

15.35 15-92 34.98

18.48 30-15 28.80 31.77 6960 59.06

Frame Structures Nc4 Oier Stories in Height

TILE WDR* CERAMIC , STtWi, MOSAIC, OR TERHH20

TIMf KEEPfRS - CONSTRUCTION OR EWCnO*

11.91 22.01 25.09

16.79 20.54 23.67

18.11 12.21 10.30

7.39 13.65

14.59 21.83

32.69 40.33

63.62 64.82

11.34

31.36 32.83

5,38 1146 867 696 628

74 47 6S27 1548

40.70 3684 2755

11.51 13.57 17.16 28.24 37.30 40.88 101.01 1245

21.06 1221 3528

1345 1547 11.57

WRECK!« buhoims or strucuiris

Concrete a concrpir-- Encased Butting or Stowages Iron or Sfcct BuiW»gs or Structures

10.72 23,79

144« »43

649 1141

743 16,79

6.79 1221

12.70 14,59

1847 2143

1544 37,36 1

7.31 16-36 946 1023 1042 »10 W6 H-45 4,17 23.49 26,06 15-» n.34 »44 646 4070

641 1347

17,79 17,16

1628 1221

25.79 33.20

1340 1845

22-32 34,06

1473 19.86

OAssin^Ttx <:f ww.

Wft

«SS.

m

WW

MB

MM

MJ.

NM

N.T.

NC

(MA.

CM.

PfM*.

RL

SC.

SJL

TP«

TRAS

UM8

VT

W.

wse.

CARPENfflY

Dettched One and Two-family Owetmgs Dwellings-Three Slones or less NOC

1961 20.63 41,98

17.26 14.72 1886

1442

19,79 26.11 3443

12.5? 13.54 13.27

2244 3180 2053

13,69 13.69 13,69

1426 11,72 1245

11,47 1421 1239

19,19 13.64 13,43

18.15 »2.64 13,47

2234

13,73

999

2604

10,98

24 88

13.34

13,47 11.92 885

1249 1701 1355

11.94 9,77 709

15,49 10 98 1488

il 13

1535

13.73

14 12

18.79

24,36

1795

1334

Intf-fl.-ihrin nf Cnh.nr-! Vfcrt InfcncrTnm

Worit'floor. yjuiJ gr stalks

13.17

647

1146

17.04

7,41

1371

1873

685

17.19

5.94

1074

823

16-51

1142

10.43

8.96

?.»

1014

935

IS®

543

15 82

Construct«« connection at» Bridge* or Coverts

25.93

2032

1574

3743

11.36

1548

18.98

1242

2442

11.34

2243

14.02

1566

1844

921

1410

1014

938

»17

7.35

664

Wotv.incidtflOi 10 tfie Construction ol Private Residence COnStiwtwnMOC*

ELECT HlCAL WIHJHS WININ EUILDINIl

13.17 1947 797

647 1028 448

§-75

6-77

1873 15.18 4.42

64$ 11.16 3.91

17-19 17.19 649

7.46

823 1342 543

16.51 14,51 4-49

942

645

10,14 10.14 748

603

543 848 4.54

1542 12-73 5.46

EXCAVATION

RoCkExcavatBnSOrr^r

11.40

848

740

23.71

10.39

1644

743

6.74

847

10.06

24.38

9,13

9.72

1199

9.08

10.40

949

779

12-46

10.86

775

Grading of Land NOC and Driver

11.40

8.08

740

23.71

10.39

1694

7-83

674

847

10.06 11.25 9.13 9.72

8.98

11.99

9.06

10.40 9.59

7.79 12-46 5£3 7.75

GlAflEH - AWAY FSOM SHOP

17.07

1627

14.75

1094

11.07

10.18

12.47

14.91

11.44

14.56

I6J53

INSULATION WORK

12.49

12-08 647 11-95

<8.86 16.88 2098

1957

21-32

13.14

5.37 9.01

9.91 1127 1S.70

13.66

12.16 ¿23 11.34

11.56 7.45 13.76

13.30

19.72

13.34 1028 1148

7.67 13u77

13.51

8.55 636 10.50

1723 725 1429

873 12.94 7.78

14.06

MASOHfiY NOC

19.85

913

12.17

2342

12.42

9.72

14.02

14.04

13.15

1600

PAlNTiHG OR PAPERH4N&IRG NOC AhD SHOP

16.29

11.40

9-97

14.66

12.41

13.86

1161

8.40

10.41

10.54

10.66

10.40

15.70

11.05

1529

7.64

979

10.09

7.41

11-31

7.35

12.96

F1! Li DRIVING

18.40

23.54

1523

38.41

13.91

1966

15.28

13.68

15.68

14.78

15.36

15.83

18.79

32 64

17.74

17.55

192-1

25.84

10.01

16-56

9.59

18.78

PlASTERiHG OR STUCCO WORK OH OUTSIDE Of BUILDING

19.85

9.13

11-95

20.98

12.17

23.02

12.42

901

15.70

9.72

11.34

13.76

14.02

1404

11.68

9.31

13.77

13.15

10.50

1429

7.78

1600

PiUMB HG - NOC

10.48

7.53

800

13.35

6.34

9.75

6.25

5.47

7.33

7.69

931

5.38

8.65

■161

10.41

967

7. «4

740

4.76

8-15

4.94

677

ROOF1HC ALL KINDS

54.28

32.16

2387

57.36

20.36

5028

3561

20.57

3339

21,46

23.21

25.75

32.55

1906

4347

17,07

21.02

22,70

21.68

S3 48

16.93

43.79

SHEET METAL WORK - SHOP AND DUTSIOE NOC

1511

12.78

1050

16.11

11.07

12.59

6.75

7.19

12.79

12.12

11.18

922

1651

728

11.76

10.65

11.12

14.21

9.77

967

6.64

7.44

STEEL OR IRON ERECTION

Doors Ooor frame, er Sash Er«t«n MeW Constiwtw o4 Ooliings Not Over Two Stones Inlenor Cap Wort; flefcrriVM Carpentry > Interior

14662 2047

87,57

3985 649

78.68 17,01

39.87 7,91

6*54 1105

22.92 844

2862 391

31 19

40,91 11,67

74.61 1203

21,78 792

25.66 1042

3997 631

75.07 14,19

77,26 6.70

40 02 1143

18.16 10,20

23,16 6.94

5512 885

24,79 604

2603 12.78

frame Structures IW 0*er Stories in Height

14642

3170

119.15

3523

496?

41.55

7255

»45

6048

7546

21.78

25.66

4Î-5Î

4446

71.60

54 74

16.40

25-14

4463

3575

50.63

TILE WORK CERAMIC , STONE, MOSAIC, OR TERIlAZAl

1324

815

640

11.49

0.90

10.44

6.06

4.07

6.72

6.38

646 14.83

1041

9.50

656 3-63

875

7.20

947

8.44

5-71

6-76

422

14.65

WATERPROOF!«

11.40

12.41

10.41

10.09

7.4t

1945

9.13

11-95

2098

1217

2302

1242

901

1570

9 72

11 34

13.76

14 02

1404

11.68

931

13.77

10.50

1429 7.78 16-00

29 1345 1528_11.47 1441 11.63__7.58 9-04 13.69 13.46 12.46 1375 11-16 1444 10.24 1347 10.09_665 10-66__9.07 10.72

29 1345 1528_11.47 1441 11.63__7.58 9-04 13.69 13.46 12.46 1375 11-16 1444 10.24 1347 10.09_665 10-66__9.07 10.72

¡ran or £**< BuiMtaQ} or Structured"1"1^

U5IN& DOCS MOT IHCU.Of Mi ma MUÎ WIK OMOU 0«i. ««MiidlOH. wtil wftftmu UK wtCmuS u

Some insurance companies send out safety teams that review and evaluate the CM/GC's safety procedures. In addition, they walk the site to determine if any major safety violations have been noticed.

Premium increases could be substantial if the safety record has not improved. The CM/GC should check with the insurance provider to determine what kind of impact an accident will have on premium rates. This may give the CM/GC incentives for stepping up any safety program that is now established.

Exhibit 5-29A

Safety net stages.

Exhibit 5-29A

Safety net stages.

SAFETY NET STAGES

Exhibit 5-29B

Safety netting.

Exhibit 5-29B

Safety netting.

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