Construction Safety

Fear of Falling: How to Keep Construction Workers Safe at Heights

Employers and insurers are engaging workers in OSHA's National Safety Stand-Down to help curb serious fall risk in the construction trades.
By: | May 9, 2018 • 4 min read

Here’s some uncomfortable math. As of March 2017, the Bureau of Labor Statistics reported that around 4 percent of the U.S. population is employed in the construction industry. And yet, for the most recent reported year, that same industry was the source of 21 percent of all U.S. worker deaths.


More than a third of those deaths — 38.8 percent — were caused by falls. Non-fatal fall-related are also a serious concern. They are typically more severe than other injury types, often resulting in damage to multiple body parts, excessive time away from work, and often require short- or long-term disability leave.

Those facts are key drivers of OSHA’s annual week-long National Safety Stand-Down campaign, launched in 2014.

Now in the campaign’s fifth year, OSHA promotes the Stand-Down in partnership with numerous organizations including the National Institute for Occupational Safety and Health, the National Occupational Research Agenda, the Center for Construction Research and Training, the American Society of Safety Engineers and the National Safety Council.

Nationwide is among several insurers that promote the event among their clients. Nationwide’s data indicates that of the 10,000 workers’ comp claims it has processed over the past five years, more than 30 percent were related to falls from elevated surfaces.

Nationwide’s loss control services experts encourage insureds to engage employees in Stand-Down events. A Stand-Down event is simply a focused opportunity for employers and employees to talk about hazards, protective gear and strategies, and the company’s policies, goals and expectations related to fall safety.

Participation can be as simple as taking a break to have a company-wide toolbox talk or conducting other activities such as safety equipment inspections or discussing job specific hazards.

“These focused efforts — it’s really just asking employers to take a break, take time to talk about the hazards in the workplace, talk about the controls, talk about training,” said Mark McGhiey, Nationwide’s associate vice president of Loss Control Services. “It’s things they should be doing already, but it puts that hyper-focus on [preventing falls].”

With employment in construction and extraction occupations projected to grow 11 percent from 2016 to 2026 — faster than the average for all occupations — it’s wise for the construction sector and for all industries that have employees working at heights to intensify their focus on fall hazards.

With employment in construction and extraction occupations projected to grow 11 percent from 2016 to 2026 — faster than the average for all occupations — it’s wise for the construction sector and for all industries that have employees working at heights to intensify their focus on fall hazards.

Mark McGhiey, associate vice president of Loss Control Services, Nationwide

The 2018 Stand-Down campaign runs from May 7 to May 11. But companies that hold stand-Down events through June 30 are eligible to receive a certificate of participation from OSHA.

To help keep workers safe on a daily basis, Nationwide recommends that construction companies and contractors:

  • Develop written policies and plans to reduce the use of ladders, and make other safe options readily available.
  • Regularly inspect equipment and repair or replace it as needed.
  • Train workers to properly use and inspect mobile scaffolding and lifts.
  • Encourage conversation between employees and managers on implementing best safety practices when working on elevated surfaces.
  • Employ mobile scaffolds, scissor lifts or other elevated work platforms that are equipped with guardrails and additional protective gear.
  • Use rope, pulleys, block and tackle or other appropriate material-handling aids to lift materials onto elevated surfaces.
  • Provide podium stepladders, whenever possible, instead of standard A-frame stepladders.

Construction companies can also help increase employee engagement by suggesting they download and use NIOSH’s free Ladder Safety app at the Apple Store and Google Play. The app is available in English and Spanish.

Ladder Reduction Programs

Nationwide encourages its construction clients to reduce the use of ladders as much as possible. Mobile elevated work platforms such as rolling scaffolds, scissor-lifts or boom-lifts can have a significant impact on job-site safety.

For clients that haven’t yet acquired such equipment, or would benefit from additional units, Nationwide’s McGhiey said it’s often a matter of approaching them from the business owner’s point of view.


“By just switching out A-frame ladders to podium-style ladders, or eliminating ladders [in favor of] scissor lifts, not only does it increase the insureds or subcontractor’s or contractor’s productivity, it helps their overall safety. You can merge those two together and show a business owner that by doing things in a different manner than they’re used to, they can improve their profitability while improving their employees’ safety at the same time,” he said.

For an insurance carrier working with a client, it goes beyond being a risk management partner to being a business partner, said McGhiey. “Explain the impact on a company’s bottom line from a productivity and efficiency standpoint, then pivot them to understand how this is going to impact their employees safety.”

For Nationwide, supporting OSHA’s National Safety Stand-Down campaign aligns easily with the insurer’s commitment to educating insureds and supporting their efforts to reduce risk and keep workers safe.

“The biggest thing we can do is to educate, provide support and reinforce what is out there from a safety standpoint,” said McGhiey. &

Michelle Kerr is associate editor of Risk & Insurance. She can be reached at [email protected]

More from Risk & Insurance

More from Risk & Insurance

2018 Risk All Stars

Stop Mitigating Risk. Start Conquering It Like These 2018 Risk All Stars

The concept of risk mastery and ownership, as displayed by the 2018 Risk All Stars, includes not simply seeking to control outcomes but taking full responsibility for them.
By: | September 14, 2018 • 3 min read

People talk a lot about how risk managers can get a seat at the table. The discussion implies that the risk manager is an outsider, striving to get the ear or the attention of an insider, the CEO or CFO.


But there are risk managers who go about things in a different way. And the 2018 Risk All Stars are prime examples of that.

These risk managers put in gear their passion, creativity and perseverance to become masters of a situation, pushing aside any notion that they are anything other than key players.

Goodyear’s Craig Melnick had only been with the global tire maker a few months when Hurricane Harvey dumped a record amount of rainfall on Houston.

Brilliant communication between Melnick and his new teammates gave him timely and valuable updates on the condition of manufacturing locations. Melnick remained in Akron, mastering the situation by moving inventory out of the storm’s path and making sure remediation crews were lined up ahead of time to give Goodyear its best leg up once the storm passed and the flood waters receded.

Goodyear’s resiliency in the face of the storm gave it credibility when it went to the insurance markets later that year for renewals. And here is where we hear a key phrase, produced by Kevin Garvey, one of Goodyear’s brokers at Aon.

“The markets always appreciate a risk manager who demonstrates ownership,” Garvey said, in what may be something of an understatement.

These risk managers put in gear their passion, creativity and perseverance to become masters of a situation, pushing aside any notion that they are anything other than key players.

Dianne Howard, a 2018 Risk All Star and the director of benefits and risk management for the Palm Beach County School District, achieved ownership of $50 million in property storm exposures for the district.

With FEMA saying it wouldn’t pay again for district storm losses it had already paid for, Howard went to the London markets and was successful in getting coverage. She also hammered out a deal in London that would partially reimburse the district if it suffered a mass shooting and needed to demolish a building, like what happened at Sandy Hook in Connecticut.

2018 Risk All Star Jim Cunningham was well-versed enough to know what traditional risk management theories would say when hospitality workers were suffering too many kitchen cuts. “Put a cut-prevention plan in place,” is the traditional wisdom.

But Cunningham, the vice president of risk management for the gaming company Pinnacle Entertainment, wasn’t satisfied with what looked to him like a Band-Aid approach.


Instead, he used predictive analytics, depending on his own team to assemble company-specific data, to determine which safety measures should be used company wide. The result? Claims frequency at the company dropped 60 percent in the first year of his program.

Alumine Bellone, a 2018 Risk All Star and the vice president of risk management for Ardent Health Services, faced an overwhelming task: Create a uniform risk management program when her hospital group grew from 14 hospitals in three states to 31 hospitals in seven.

Bellone owned the situation by visiting each facility right before the acquisition and again right after, to make sure each caregiving population was ready to integrate into a standardized risk management system.

After consolidating insurance policies, Bellone achieved $893,000 in synergies.

In each of these cases, and in more on the following pages, we see examples of risk managers who weren’t just knocking on the door; they were owning the room. &


Risk All Stars stand out from their peers by overcoming challenges through exceptional problem solving, creativity, clarity of vision and passion.

See the complete list of 2018 Risk All Stars.

Dan Reynolds is editor-in-chief of Risk & Insurance. He can be reached at [email protected]