Field risk report

Sample General Contractor

General contractor, wood-frame building · Term Mar 1, 2026 to Mar 1, 2027 · 6 recordings, 138.3 minutes, 23.2 read closely · Draft, 3 awaiting reviewer

The short version

3 behaviours repeat, one small slip from someone getting hurt: hands full up high (4), standing on open framing (3), uncovered floor opening (3). If a claim comes from one of these, the moments below are what led to it.

What would cause a claim

Hands full up high

4 times on 3 recordings · Q1 2 · Q2 1 · Q3 1 · Q4 — · Awaiting reviewer · WC

One slip with both hands full, and there is nothing to grab.

On a ladder, nothing may be carried that could throw the worker off balance. On open framing there's no carrying rule as such: from 6 ft up the worker needs a rail, a net or fall arrest, and full hands are why that matters. 29 CFR 1926.1053(b)(22), 29 CFR 1926.501(b)(13).

Likely injury: Fall while carrying. Comparable claims: about $63,000, $30,000 to $174,000.

Standing on open framing

3 times on 2 recordings · Q1 1 · Q2 2 · Q3 0 · Q4 — · Awaiting reviewer · WC

One foot off a member a few inches wide, and the worker drops between the framing.

From 6 ft up the worker needs a rail, a net or fall arrest. Open framing is residential work like any other, and the alternatives need a written site plan. 29 CFR 1926.501(b)(13).

Likely injury: Fall through open framing. Comparable claims: about $63,000, $30,000 to $174,000.

Uncovered floor opening

3 times on 2 recordings · Q1 2 · Q2 1 · Q3 0 · Q4 — · Awaiting reviewer · WC

One step back without looking, and the worker is through the opening.

A hole is any gap two inches or more across. More than 6 ft above the level below it needs a cover, a rail or fall arrest, and at any height it needs a cover or rail against stepping in. The rule sets no stand-off distance: working on that floor is the exposure. 29 CFR 1926.501(b)(4), 29 CFR 1926.502(i).

Likely injury: Fall through the floor. Comparable claims: about $63,000, $30,000 to $174,000.

Exposure by coverage line

Workers' Compensation

Not set

Hands full up high, Standing on open framing, Uncovered floor opening

Nothing repeated and no level set: GL Prem-Ops, GL Completed Ops, Property, Inland Marine, Auto, Environmental. The level is the reviewer's word, not a score from us.

Good practice seen

A hand free to steady (7) · Material stored safely (3) · Working from a surface (5) · Rail complete (1) · Material secured up high (3) · Live parts covered (1) · Walkway clear (6) · Tool in good order (1) · Gloves on (9) · Hard hats on (3) · Lift shared or assisted (2)

Operations as seen

• Mar 24, 2026 · Practice footage, house framing. Timber framing work includes moving and fitting engineered joists across exposed beams and joists while carrying a nailer, managing a hose, and using an adhesive gun.
• May 12, 2026 · Practice footage, timber frame. Workers are erecting timber framing, supported on narrow elevated timbers with the lower floor visible through the framing and no fall protection visible at the interior drop.
• Jun 18, 2026 · Practice footage, timber house, Japan. The wearer and coworkers position long timber framing together, handle metal bracing, and reach elevated framing from a stepladder and an adjacent scaffold platform.
• Aug 6, 2026 · Practice footage, whole house framing. The observations show wood framing work involving positioning unfinished lumber, using tools at a wall’s top plate, and moving between levels by ladder.
• Sep 15, 2026 · Practice footage, short framing clips joined. Timber frame assembly includes positioning a crossbeam from scaffold platforms and a ladder, with two workers supporting and guiding the beam; plywood and scaffold routes are visibly clear.
• Oct 20, 2026 · Practice footage, building services, Amsterdam. Work includes carrying metal frames, sorting tools and handling a bucket in a wheelbarrow, positioning a load at a hoist, and attaching a metal crosspiece beside insulated pipes.

Materials and equipment: adhesive gun, air hose, beams, boots, bucket, cardboard box, compressor, driver, engineered I-joists, framing lumber, glove, gravel, green screening, hammer, hand tool, hard hats, hoist, insulated pipes, ladder, mallet, metal braces, metal bracing, metal crosspiece, metal frames, metal hardware, metal scaffold platforms, nailer, pallet jack, pencil, plywood, plywood decking, pneumatic nailer, power tool, scaffold, scaffold boards, screws, sheathing, sheet material, soft hats, stepladder, tape measure, timber, timber beams, timber framing, tool hose, truck, wheelbarrow, work gloves.

Questions for the file

Open, from the insured or the file: Claims, last three years · Who runs safety on site · Regulator citations · Written programmes and training (footage: Jun 18 5:33) · Subcontractors and certificates · Site security after hours · Protection of the public and neighbours · Finished work and callbacks · Tools and materials security · Drivers and records · Hot work controls · Hazardous materials testing.

Limits and method