When it comes to insurance for your building materials operation—whether you’re running multiple yards, warehouses, or job-site delivery fleets—your provider isn’t just insuring your assets. They’re evaluating how well you manage risk. And nothing impacts premiums, claims, or coverage eligibility faster than safety compliance.
Here’s a practical checklist to help you meet the most common insurance requirements related to workplace and facility safety—so you can stay covered, reduce liability, and maybe even lower your premiums.
✅ 1. Fire Safety and Prevention
Fire extinguishers installed, serviced, and properly rated (ABC or specific to materials)
Fire exits clearly marked and unblocked at all times
Automatic sprinkler system tested and inspected per NFPA/insurance guidelines
Flammable materials stored in approved containers or cabinets
No smoking signage in combustible material zones
Electrical panels and wiring maintained and free of obstruction
Combustible waste removed regularly (no buildup near storage or machinery)
✅ 2. Facility Maintenance and Housekeeping
Aisles and pathways are clear of tripping hazards
Warehouse racks secured and used within rated weight limits
Good lighting in storage, yard, and loading areas
Spill kits available and staff trained in use
Outdoor storage areas secured, stable, and protected from weather hazards
Forklifts and equipment routinely inspected and logged
✅ 3. Employee and Visitor Safety Practices
All employees receive safety training (initial + periodic refreshers)
Personal Protective Equipment (PPE) provided and enforced (gloves, helmets, vests, etc.)
Safety signage clearly posted (e.g., “Hard Hat Area,” “Authorized Personnel Only”)
Visitors required to check in and follow safety protocols
First aid kits stocked and easily accessible
Eye wash stations present where needed (chemical or dust exposure areas)
✅ 4. Vehicle and Delivery Safety
Delivery trucks and forklifts maintained with inspection records
Drivers properly licensed, trained, and briefed on safe loading practices
GPS, dash cams, or telematics used to monitor driver behavior (if applicable)
Load securement checks documented
Back-up alarms, mirrors, and lights fully functional
Job-site delivery zones clearly marked and controlled when unloading
✅ 5. Documentation and Incident Management
Written safety program or policy in place
OSHA compliance logs updated (300, 300A, 301 if applicable)
Incident reports filed for all workplace accidents, near misses, or safety violations
Insurance carrier notified promptly of any claimable incidents
Safety audits performed regularly (internally or by third party)
Corrective actions documented and tracked after any inspection or claim
✅ 6. Security and Access Control
Buildings and yards are locked or monitored after hours
Video surveillance in sensitive or high-value areas (if required by insurer)
Alarm systems or remote monitoring in place
Staff trained on theft prevention and suspicious activity protocols
Final Thought
Insurance isn’t just about what you pay—it’s about how well you protect what you’ve built. This safety checklist helps ensure you’re aligned with the risk standards your insurer expects. Staying proactive not only protects your people and property—it can also lead to better rates, smoother claims, and fewer disruptions.
