Do OSHA construction hazards tell me what my insurance covers?
No. OSHA’s residential fall guidance and trenching eTool describe worker-safety hazards in their stated contexts. They help you describe the job; they do not establish insurance eligibility, price, or policy response.
When requesting a quote, identify whether crews do residential height work or excavation, and give the broker each trade, site, project phase, and employee role. OSHA guidance describes hazards, not insurance coverage.6,7,1
Read the Construction Insurance Buying Guide
Sources and Further Reading for Construction
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