…An insurance program developed for concrete contractors just like you

A sound risk management program includes proper insurance coverage. As ASCC's endorsed insurance carrier since 1987, CNA understands the top loss drivers for concrete contractors. Our 25 year partnership has enabled CNA to design comprehensive, flexible and tailored programs to identify and manage your loss exposures.

You might be surprised how often injuries and accidents can be prevented. That's why we’ve teamed up to offer a series of safety materials that address common losses for ASCC members. As a carrier that understands your industry, we can equip you with the tools you need to meet your toughest challenges.

Trends and Emerging Issues: We know insurance can be complex, therefore, each month we will provide you with a useful bulletin to help you understand the insurance and risk management issues associated with your business.

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Spotlight on Workers’ Compensation: According to the U.S. Bureau of Labor Statistics’ latest data, nearly 3 million workplace injuries occur a year. Nearly half of this group either missed work or had a job restriction resulting from a reported incident.* A strong safety culture helps keep your company from being part of this statistic. Learn more about CNA's Workers' Compensation Solutions.

This quarter we will focus on managing job site accidents and injuries. The Contractor’s Injury Management Toolbox provides valuable forms and worksheets to help you prepare for, respond to and document any accidents that occur on your job site. 

Spotlight on Commercial Automobile: A recent study found more than 280,000 drivers are involved in serious accidents every year**. More than 80 percent of cell phone owners (which is just about all adults at this point) admit to occasionally using their phone while driving. Contractors concerned about fleet safety should have clear policies about avoiding distractions on the road.

Analysis of auto claims data reveals that rear-ended other vehicles had the highest number of claims and the highest severity. Driver inattentiveness and the lack of concentration are the primary factors in rear-ends, failure to yield and the vehicle leaving the road accidents. Other factors are aggressive driving, time management, and route planning. The Risk Control Bulletin Avoiding Front- and Rear-end Vehicle Incidents provides three basic defensive driving skills which can be used on and off the job to help prevent front- and rear-end vehicle incidents.

Spotlight on General Liability: General Liability protects construction businesses from costly third-party claims and lawsuits. A strong contractor’s liability program starts with the Commercial General Liability coverage form, which provides basic yet extensive coverage. With insurance demands varying greatly, not all contractors have the same coverage needs. Make sure you understand the optional coverage-enhancements designed to specifically address liability exposures for concrete contractors.

Did you know that one third of businesses fail within the first year after a disaster and another third fail within five years? Companies that plan for emergencies greatly increase the likelihood of staying in business and getting back to work quickly. CNA’s Business Continuity Planning Reference Guide can help you put a business continuity plan in place. 

Do you have a burning safety or insurance-related question that you would like answered? CNA is here to help! Please email Wayne Kirkland, CNA Risk Control Director, at wayne.kirkland@cna.com with your questions and put “Ask an Expert” in the subject line. The question and answer may be featured here and across CNA’s social media platforms.

For more information on our insurance solutions for concrete contractors, please call 800-CNA-6241 or visit www.cna.com/ascc.

When it comes to finding an insurance carrier who’s built a solid reputation in the construction industry…we can show you more.®

* Workplace Injury and Illness Summary,” (press release) Bureau of Labor Statistics, Oct. 25, 2012. ** http://www.nsc.org/safety_road/Distracted_Driving/Pages/distracted_driving.aspx*** Source: GreenRoad

The information, examples and suggestions presented in this material have been developed from sources believed to be reliable, but they should not be construed as legal or other professional advice. CNA accepts no responsibility for the accuracy or completeness of this material and recommends the consultation with competent legal counsel and/or other professional advisors before applying this material in any particular factual situations. This material is for illustrative purposes and is not intended to constitute a contract. Please remember that only the relevant insurance policy can provide the actual terms, coverages, amounts, conditions and exclusions for an insured. All products and services may not be available in all states and may be subject to change without notice. Use of the term “partnership” and/or “partner” should not be construed to represent a legally binding partnership. CNA is a registered trademark of CNA Financial Corporation. Copyright © 2014 CNA. All rights reserved.

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