Underwriting & Loss Control Resources
Carpentry Contractors:
Best's Hazard Index, below, displays an at-a-glance summary of this industry's degree of liability in applicable lines of insurance. See our guide to Best's Hazard Index.
Note: The Average Best's Hazard Index line offers a comparison to those industries that are included in Underwriting and Loss Control Resources. Low: 1-3 | Medium: 4-6 | Very High: 10
As with many similar industries, carpentry contractors are exposed to slips, trips and falls at their job sites. They also will find themselves, in the long term, exposed to noise, wood dust and toxic fumes. Other exposures include falling from heights, being struck by falling objects, operating faulty or malfunctioning tools and misusing sharp saws and drills.
It’s essential for the insured to have a thorough safety training program, which should include how to recognize and control hazards, develop safe work procedures, properly and safely use equipment and handle emergencies.
Learn More
Check out the Best’s Underwriting Report for a detailed summary of each line of insurance, with information on:
- Why there should be a limit on daily use of tools that cause vibration.
- How the insured can avoid potential defects in carpentry work due to a poor grade of rough lumber.
- Why workers should never blow compressed air on accumulated dust—the risks go beyond just potential inhalation.
See the big picture for exposures and controls with the Best’s Loss Control Report. It provides questions to consider such as:
- Do the insured’s knives have retractable blades and sturdy grips?
- Are strict quality standards imposed on all raw materials and component suppliers?
- Are floors mopped (not swept) or vacuumed using a high-efficiency particulate air (HEPA) filter?
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