Ladder safety is something many overlook, but it’s crucial to preventing serious injuries. In fact, more than 164,000 ladder-related injuries result in emergency room visits every year, according to the Consumer Product Safety Commission (CPSC). Whether you’re tackling home repairs or using ladders at work, proper safety precautions can make all the difference.

Read on to uncover top ladder safety tips from the loss control experts at Central Insurance, and learn how proper precautions like these can help influence your insurance rates.

4 Top Ladder Safety Tips

1. Select the Right Ladder

Ensure the ladder’s duty rating matches the total weight it will need to support, including your weight, tools, and materials. Ladder duty ratings range from Type IA (300 lbs.) to Type III (200 lbs.).

2. Use Proper Length and Material

Make sure your ladder extends at least 3 feet above the roofline or work surface. Avoid standing on the top rungs, and always use a fiberglass or wood ladder near electrical lines to prevent accidents.

Keep Reading: 10 Home Maintenance Tips for Spring

3. Inspect Before Use

Always check your ladder for damage before use. Look for broken rails, missing slip-resistant feet, and ensure the rung locks are in good condition. Proper setup on firm, even ground is crucial for ladder safety.

Get insights like this right in your inbox. Subscribe to the Central Blog below.

4. Climb Safely

Wear shoes with slip-resistant soles and maintain three points of contact (two hands and one foot or two feet and one hand). Don’t lean too far to the side, and always climb down to move the ladder rather than “walking” it.

By following these ladder safety tips, you significantly reduce the risk of injury while performing tasks at home or work.

Ladder Safety and Insurance: A Critical Connection

Ladder safety doesn’t just protect you from injury—it also plays a role in safeguarding your financial well-being. According to OSHA, ladder-related falls are a leading cause of workplace injuries, leading to workers’ compensation claims and potential increases in commercial insurance premiums. In residential settings, homeowners could face personal liability claims if someone is injured while using a ladder on their property.

Adopting the ladder safety tips mentioned above can minimize the likelihood of accidents, helping to avoid the financial burden that comes with injury claims. Proper risk management is essential for keeping your insurance costs down while ensuring everyone’s safety.

Read More: Back Injury Prevention: Essential Tips for a Safer Workplace

The Central Difference: Comprehensive Protection for Your Peace of Mind

At Central Insurance, we understand the importance of both safety and financial protection. Our comprehensive policies are designed to support you in the event of an accident, whether it’s related to ladder use or other unexpected incidents. With a focus on personalized service and proactive safety measures, Central provides the coverage you need to stay protected at home and at work.

By choosing Central, you’re not just investing in insurance—you’re partnering with a team committed to keeping you, your home, and your business secure. Contact one of our experienced agents today to learn more about how our tailored policies can support you.

The information above is of a general nature and your policy and coverages provided may differ from the examples provided. Please read your policy in its entirety to determine your actual coverage available.Products underwritten by Central Mutual Insurance Company and affiliated companies.

Copyright © 2024 Central Mutual Insurance Company. All rights reserved.