An Insurance Coverage Overview for the Construction Contractor

Unlike other industries where indoor work conditions limit exposure to pest risks, the construction business faces the potentially dangerous hazard.

Besides, bee, wasp, snake and other types of bites, the construction worker or contractor is at particular risk to a bite from the tiny tick insect. Among various maladies associated with the tick, Lyme disease transmitted by the deer tick has been notably on the rise in CT, DE, MD, NJ, NY, NH and other US states in the East, Midwest and West Coast.

RELATED: how to prevent a tick bite

Lyme disease is a serious sickness that can affect the brain and nervous system, muscles, joints and the heart.

Fortunately, Workers Comp can protect a construction company from the costs associated with a worker’s vulnerability to a tick bite that fosters the dreaded disease.

A construction company's Workers Comp can cover the related costs, including:

• Medical expenses in regard to the work-related illness
• Temporary disability benefits
• Rehab expenses
• Wages that a worker should have earned if not for the illness

For more information about Workers Comp and how it can protect your business from outdoor exposure to bee bites, snake bites, tick bites and other pest hazards, speak to an experienced independent insurance agency.

PRIME Insurance is a three-generation family-run independent agency. We’re proud partners with many of the leading companies in the industry – big names such as ACE, AmTrust, ASI, ASSURANT, CHUBB, CNA, Employers, FOREMOST, Liberty Mutual, MetLife, PROGRESSIVE, Safeco, StillWater, Travelers, USLI, ZURICH and more. This gives us the ability to provide all forms of nationwide coverage at competitively lowest quotes. Visit us on our online insurance website; email us at PRIME [at] primeins [dot] com or call us at 732-886-5751 and HAVE A PRIME DAY™!

Summary: The construction contractor typically faces far greater exposure to physical danger than the office worker. Workers Comp Insurance can cover hazardous insect bites.