{"id":11549,"date":"2019-12-06T10:51:13","date_gmt":"2019-12-06T10:51:13","guid":{"rendered":"https:\/\/securenow.in\/blog\/?p=11549"},"modified":"2026-04-02T08:52:01","modified_gmt":"2026-04-02T08:52:01","slug":"5-safety-measures-your-construction-company-should-have-in-place","status":"publish","type":"post","link":"https:\/\/securenow.in\/insuropedia\/5-safety-measures-your-construction-company-should-have-in-place\/","title":{"rendered":"5 measures your construction company should take for ensuring safety of workers"},"content":{"rendered":"<div id=\"bsf_rt_marker\"><\/div><p>The construction industry is one of the largest contributors to the Indian economy after agriculture. The industry accounts for nearly 9% of the national gross domestic product(GDP) over many years now. According to Global Data, the construction industry of India has recovered some of its lost ground in 2018. The output value has increased from 464.9 billion dollars in 2017 to 505.7 billion dollars in 2018. So there are certain safety measures that construction companies should have in place.<\/p>\n<h2 data-path-to-node=\"5\">Key Takeaways<\/h2>\n<ul data-path-to-node=\"6\">\n<li>\n<p data-path-to-node=\"6,0,0\"><b data-path-to-node=\"6,0,0\" data-index-in-node=\"0\">The Age Inverse Rule:<\/b> The younger the worker, the higher the <b data-path-to-node=\"6,0,0\" data-index-in-node=\"61\">&#8220;Relevant Factor.&#8221;<\/b> This ensures that those with more years of potential earning ahead of them receive a larger lump sum in the event of death or permanent disability.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"6,1,0\"><b data-path-to-node=\"6,1,0\" data-index-in-node=\"0\">The Wage Cap Reality:<\/b> For calculation purposes, even if a worker earns more, the Act often uses a deemed maximum monthly wage (e.g., \u20b98,000 or as amended by the government) to determine the &#8220;Multiplier.&#8221;<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"6,2,0\"><b data-path-to-node=\"6,2,0\" data-index-in-node=\"0\">Interim Payment Mandate:<\/b> If there is a dispute regarding the total claim amount, the employer <b data-path-to-node=\"6,2,0\" data-index-in-node=\"94\">must<\/b> still pay the &#8220;agreed-upon&#8221; portion immediately as interim relief to the worker\u2019s family.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"6,3,0\"><b data-path-to-node=\"6,3,0\" data-index-in-node=\"0\">Penalty for Procrastination:<\/b> Delays in payment aren&#8217;t just administrative errors; they attract a <b data-path-to-node=\"6,3,0\" data-index-in-node=\"97\">6% annual interest penalty<\/b> and can lead to a further fine of up to 50% of the total compensation amount.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"6,4,0\"><b data-path-to-node=\"6,4,0\" data-index-in-node=\"0\">The 3-Day Waiting Period:<\/b> Temporary disability benefits only trigger if the injury lasts for <b data-path-to-node=\"6,4,0\" data-index-in-node=\"93\">more than 3 days<\/b>. If it lasts 28 days or more, the payment is backdated to the very first day of the accident.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"6,5,0\"><b data-path-to-node=\"6,5,0\" data-index-in-node=\"0\">Incentivizing Talent:<\/b> Employers can use the WC policy as a competitive advantage by opting for <b data-path-to-node=\"6,5,0\" data-index-in-node=\"95\">Higher Compensation<\/b> limits than the Act requires, helping attract high-quality skilled and contract labor.<\/p>\n<\/li>\n<\/ul>\n<h2>Risks for workers in the construction industry<\/h2>\n<p>Despite being a highly significant industry, there is a slightly dark side too to this growing industry. Data shows people working in the construction industry are more prone to injuries and deaths than in any other sector in India. Hence owners of construction companies need to be cautious and ensure that they take care of the safety and health of their workers. Two things that can help construction businesses avoid negative outcomes in case of any mishaps are precautionary safety measures and financial security.<\/p>\n<h2>Safety measures for ensuring the safety of construction workers<\/h2>\n<p>Here are five precautionary measures that you can follow to keep your construction industry workers safe:<\/p>\n<h3>Ensure that your workers are wearing the correct protective gear<\/h3>\n<p>Wearing t PPE or personal protective equipment the right way is necessary for workers in the construction industry. Proper protective gear can make a difference between a minor injury and a serious or long-term injury. It\u2019s essential to provide your workers and employees with proper PPE based on the type of work that they do. These include:<\/p>\n<ul>\n<li>Helmets<\/li>\n<li>Gloves<\/li>\n<li>Safety Boots<\/li>\n<li>Ear protection<\/li>\n<li>Safety goggles<\/li>\n<li>Knee pads and elbow guards<\/li>\n<li>Masks<\/li>\n<li>Hi-Vis jackets<\/li>\n<li>Safety harnesses<\/li>\n<\/ul>\n<p>Make sure that your workers wear such protective gear at the workplace always. Also, if the protective gear becomes worn out or unfit for use, then it should be replaced immediately.<\/p>\n<h3>Arrange regular safety training sessions<\/h3>\n<p>Workers operating in medium or high-risk working environments are in huge numbers in the country. As is the case with construction site workers, these workers too should be given proper safety training. Provide your workers with all relevant information related to the site to make them fully aware of the risks associated with their work. Also, ensure that your workers are given proper training to work with heavy machinery or operate at heights or in confined spaces.<\/p>\n<p>If you are installing a new machine, give out handbooks to workers to ensure that they know how to use new equipment as well. Moreover, if there is a particular working area with high levels of safety risk then provide proper instructions to your workers. Impart training to them on how they could operate safely, and what they can do if there\u2019s an emergency.<\/p>\n<h3>Ensure that on-site first-aid treatment is available to your workers<\/h3>\n<p>Construction sites are usually prone to worker injuries. The best initial way to manage any injury is to provide first-hand treatment. Also, give workers an updated first-aid kit at the construction site. You can also hire a first-aid officer for your workers at the site. Keep the first-aid kit in an area that is accessible to all the workers.<br \/>\nUpdate your first-aid kit monthly or every 2-3 months. This is necessary to ensure that any expired medicines or band-aids that have lost their stickiness are removed within time. It should include:<\/p>\n<ul>\n<li>Disinfectant<\/li>\n<li>Burn ointment<\/li>\n<li>Painkiller pills and spray<\/li>\n<li>Bandages and band-aids<\/li>\n<li>The gauze of various sizes, and other similar products<\/li>\n<\/ul>\n<h3>Clearly, display signage to warn about dangerous areas<\/h3>\n<p>Construction sites are full of potential hazards. It is not only the workers but even people living around the site and visitors that are at high risk. It\u2019s important to highlight any danger with posters and signs that will warn everybody nearby to take sufficient precautions. Signs such as turning vehicles, falling objects, or the presence of gas\/chemicals are a good way to highlight the danger. These are cost-effective ways of reducing accidental risks.<\/p>\n<h3>Take advantage of new technologies<\/h3>\n<p>Technology has advanced tremendously in recent years. Almost everyone owns a mobile phone these days, with most being smartphones. There are mobile apps that can help you monitor your workers, and keep track of the activities done, and the risks involved. One way to ensure safety is to start using such advanced mobile apps to monitor workplace safety.<\/p>\n<h3>Summary Table: Statutory Compensation Formulas<\/h3>\n<table data-path-to-node=\"3\">\n<thead>\n<tr>\n<td><strong>Disablement Type<\/strong><\/td>\n<td><strong>Compensation Basis (Higher of the two)<\/strong><\/td>\n<td><strong>Minimum Absolute Floor<\/strong><\/td>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><span data-path-to-node=\"3,1,0,0\"><b data-path-to-node=\"3,1,0,0\" data-index-in-node=\"0\">Death<\/b><\/span><\/td>\n<td><span data-path-to-node=\"3,1,1,0\">50% of Monthly Wage \u00d7 Relevant Factor<\/span><\/td>\n<td><span data-path-to-node=\"3,1,2,0\">\u20b91,40,000<\/span><\/td>\n<\/tr>\n<tr>\n<td><span data-path-to-node=\"3,2,0,0\"><b data-path-to-node=\"3,2,0,0\" data-index-in-node=\"0\">Permanent Total (PTD)<\/b><\/span><\/td>\n<td><span data-path-to-node=\"3,2,1,0\">60% of Monthly Wage \u00d7 Relevant Factor<\/span><\/td>\n<td><span data-path-to-node=\"3,2,2,0\">\u20b91,20,000<\/span><\/td>\n<\/tr>\n<tr>\n<td><span data-path-to-node=\"3,3,0,0\"><b data-path-to-node=\"3,3,0,0\" data-index-in-node=\"0\">Permanent Partial<\/b><\/span><\/td>\n<td><span data-path-to-node=\"3,3,1,0\">% of PTD based on loss of earning capacity<\/span><\/td>\n<td><span data-path-to-node=\"3,3,2,0\">As per Medical Evaluation<\/span><\/td>\n<\/tr>\n<tr>\n<td><span data-path-to-node=\"3,4,0,0\"><b data-path-to-node=\"3,4,0,0\" data-index-in-node=\"0\">Temporary (Total\/Partial)<\/b><\/span><\/td>\n<td><span data-path-to-node=\"3,4,1,0\">25% of Monthly Wage (Half-monthly payments)<\/span><\/td>\n<td><span data-path-to-node=\"3,4,2,0\">Paid from the 16th day<\/span><\/td>\n<\/tr>\n<tr>\n<td><span data-path-to-node=\"3,5,0,0\"><b data-path-to-node=\"3,5,0,0\" data-index-in-node=\"0\">Occupational Disease<\/b><\/span><\/td>\n<td><span data-path-to-node=\"3,5,1,0\">Same as Death or Disability tiers<\/span><\/td>\n<td><span data-path-to-node=\"3,5,2,0\">Based on Schedule III<\/span><\/td>\n<\/tr>\n<tr>\n<td><span data-path-to-node=\"3,6,0,0\"><b data-path-to-node=\"3,6,0,0\" data-index-in-node=\"0\">Delay Penalty<\/b><\/span><\/td>\n<td><span data-path-to-node=\"3,6,1,0\">6% Interest per annum<\/span><\/td>\n<td><span data-path-to-node=\"3,6,2,0\">Up to 50% of the principal<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2><strong>What else do you need as a part of the construction industry?<\/strong><\/h2>\n<p>For all construction companies, maintaining the highest possible level of safety for construction workers is essential. However, you also need to ensure that a workplace hazard does not cause financial losses to you. While you cannot avoid uncertainties, you can still stay prepared for them by <a href=\"https:\/\/securenow.in\/commercial-liability-insurance\">buying liability insurance<\/a> to provide workers&#8217; compensation benefits. This policy covers the worst-case scenarios of the on-spot death of a worker at a construction site. Furthermore, this policy also provides financial aid to his family.<\/p>\n<p>We at SecureNow, provide quotes for <a href=\"https:\/\/securenow.in\/group-insurance\/workmen-compensation-insurance\">worker&#8217;s compensation policies<\/a> offered by different insurance companies so that you can choose what is best for you. Take care of your workers, and they will take care of your finances.<\/p>\n<h3 data-path-to-node=\"8\">Frequently Asked Questions (FAQs)<\/h3>\n<h4 data-path-to-node=\"9\"><b data-path-to-node=\"9\" data-index-in-node=\"0\">1. What is the &#8220;Relevant Factor&#8221; mentioned in the Act?<\/b><\/h4>\n<p data-path-to-node=\"9\"><strong>A)<\/strong> The Relevant Factor is a multiplier provided in a table within the Act that corresponds to the worker&#8217;s age. It starts high for young workers and decreases as age increases. This factor is multiplied by a portion of the monthly wage to calculate the final lump-sum compensation.<\/p>\n<h4 data-path-to-node=\"10\"><b data-path-to-node=\"10\" data-index-in-node=\"0\">2. If I disagree with the amount the worker is asking for, can I wait until the court decides to pay?<\/b><\/h4>\n<p data-path-to-node=\"10\"><strong>A)<\/strong> No. You are legally required to pay the &#8220;interim compensation&#8221; (the amount you agree is definitely owed) while the dispute over the remainder is being settled. Failing to pay this undisputed part can lead to heavy interest penalties.<\/p>\n<h4 data-path-to-node=\"11\"><b data-path-to-node=\"11\" data-index-in-node=\"0\">3. When does the &#8220;Half-Monthly&#8221; payment for temporary disability start?<\/b><\/h4>\n<p data-path-to-node=\"11\"><strong>A)<\/strong> Payments typically start on the <b data-path-to-node=\"11\" data-index-in-node=\"104\">16th day<\/b> from the date of the disablement. However, if the worker remains disabled for 28 days or more, the employer becomes liable to pay for the initial &#8220;waiting period&#8221; as well, backdating the benefit to the date of the accident.<\/p>\n<h4 data-path-to-node=\"12\"><b data-path-to-node=\"12\" data-index-in-node=\"0\">4. Can I be penalized if my insurance company delays the payment?<\/b><\/h4>\n<p data-path-to-node=\"12\"><strong>A)<\/strong> Legally, the liability to pay compensation on time rests with the <b data-path-to-node=\"12\" data-index-in-node=\"132\">employer<\/b>. If there is a delay, the 6% interest and potential 50% penalty are levied against the employer. This is why it is crucial to choose a responsive insurer who assists in prompt claim settlement.<\/p>\n<h4 data-path-to-node=\"13\"><b data-path-to-node=\"13\" data-index-in-node=\"0\">5. Does the Act allow me to pay <i data-path-to-node=\"13\" data-index-in-node=\"32\">more<\/i> than the calculated amount?<\/b><\/h4>\n<p data-path-to-node=\"13\"><strong>A)<\/strong> Yes. The Act defines the &#8220;minimum&#8221; statutory obligation. Many modern employers choose to provide higher coverage limits through their insurance policy to better protect their workers and stand out as a &#8220;Preferred Employer&#8221; in the market.<\/p>\n<h4><b>About The Author<\/b><\/h4>\n<p><strong>Rahul Kumar\u00a0<\/strong><\/p>\n<p><span style=\"font-weight: 400;\">MBA Finance<\/span><\/p>\n<p><span style=\"font-weight: 400;\">With a wealth of experience in the insurance industry, Rahul is a seasoned writer specializing in articles related to workmen compensation policies (WC policies) for SecureNow. With 12 years of experience in the field, he has acquired in-depth knowledge and expertise in workmen compensation insurance, understanding its complexities and nuances. Their insightful articles provide valuable insights into the importance of WC policies for businesses and employees alike, offering practical advice and guidance on navigating the intricacies of insurance coverage. Trust him to deliver informative and engaging content, backed by years of experience and a passion for educating readers about insurance-related topics.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Maintaining safety measures is important for a construction company to ensure that the workers stay safe and secure. Here is what you need to know.<\/p>\n","protected":false},"author":5,"featured_media":11550,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"om_disable_all_campaigns":false,"_lmt_disableupdate":"no","_lmt_disable":"no","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[296,295],"tags":[60],"class_list":["post-11549","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-importance-workmen-compensation","category-workmen-compensation","tag-workmen-compensation-insurance-policy"],"acf":[],"modified_by":"SecureNow","_links":{"self":[{"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/posts\/11549","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/comments?post=11549"}],"version-history":[{"count":19,"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/posts\/11549\/revisions"}],"predecessor-version":[{"id":36103,"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/posts\/11549\/revisions\/36103"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/"}],"wp:attachment":[{"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/media?parent=11549"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/categories?post=11549"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/tags?post=11549"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}