 Builder's Risk Loss Control Suggestions By Geoffrey Persten |
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Builder's risks often pose more serious losses to property than do completed facilities, for several reasons: 1) fire protection systems are most often not operational, 2) there are large amounts of flammables on premises, 3) workers are often unsupervised and performing hazardous activities, and, 4) many construction sites are not adequately secured.
A formal loss control plan for new construction will go a long way toward reducing both the frequency and severity of losses. As part of such an approach, a checklist may be of value in focusing on significant hazards and their control. We offer the following as a suggested starting point:
GENERAL
+ Is one person in charge of property loss control? + Is there a property loss control plan for the construction site?
SITE
+ Is there clear access to the site for fire-fighting? + Is there an adequate water supply for fire-fighting? + Is there an alarm or telephone at the site to report emergencies? + Is steel framework braced until final fastening? + Is the roof adequately fastened down? + Are plastic sheet/tarpaulins tied down or supported on the framework? + Is site security adequate to deter vandals and thieves?
EQUIPMENT
+ Are tar and asphalt kettles attended while in use and do they have metal covers? + Do any portable, temporary heaters have automatic shut-offs in the event of tipping or other malfunction? + Are adequate clearances maintained between heaters and flammables?
WORKERS
+ Is there a formal safety program in effect that has been reviewed with all workers? + Is smoking permitted on site? If so, in designated areas only? + Is any brazing, welding or cutting done clear of combustibles? + Are all work areas inspected at the completion of the day's work?
PROTECTION
+ Is sufficient fire extinguishing apparatus present in the form of portable extinguishers &/or water barrels? + Are standpipe/hose systems provided and operational on high-rise structures? + In sprinklered buildings, does the system installation keep pace with construction? + Does the risk have a fire brigade that coordinates with local fire officials?
Hopefully, many losses can be prevented or minimized with the use of a loss control plan. It's important to also remember that many of the same hazards exist during renovations to older buildings. | |||
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In conclusion, it takes a concerted effort on the part of all involved in a construction project, to minimize hazards and reduce the chances of damaging losses.
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