The Hanover Insurance Group

How to prevent worksite property damage

Prevent property theft and damage

As a contractor, you have loss exposures that go beyond the potential for worker injury. Steps should be taken to secure, prevent damage and deter thieves to the materials and equipment that you are installing as part of a construction project. Including property loss prevention and an overall safety program as part of your overall risk management efforts can help. Here are some action items to keep in mind to protect worksite property:

Protecting your project sites


  • Obtain a hot-work permit and be sure subcontractors have them as well when welding/ cutting/brazing or using an open flame
  • Train workers on how to use fire extinguishers and assign fire watch duties
  • Provide a daily map of hot work locations and communicate to after-hours security which locations to check
  • Inspect temporary power distribution for overloading and damaged electrical cords
  • Institute and enforce a no-smoking policy
  • Minimize accumulation of combustibles
  • Maintain fire access roads and be sure they can support heavy firefighting equipment


  • Conduct pre-storm inspections to ensure there aren’t any unsecured or uncovered openings that could allow rain to enter
  • Inspect and remove debris from roof drains
  • Inspect weather-protecting tarps to ensure they will not detach during wind events
  • Have de-watering equipment available in case below-grade structures fill with rainwater


  • Install fencing with minimum height of eight feet
  • Install security cameras with central station monitoring at access points
  • Have frequent discussions with work crews about alerting supervisors to any suspicious activity
  • Conduct nightly security checks to ensure storage containers and metals have been properly secured
  • Properly secure and monitor off-site storage locations

Make sure your worksite is properly protected from vandals and theft. The Hanover has an array of insurance solutions for jobs big and small.

LC 2017-422 May 2018

All products are underwritten by The Hanover Insurance Company or one of its insurance company subsidiaries or affiliates ("The Hanover"). Coverage may not be available in all jurisdictions and is subject to the company underwriting guidelines and the issued policy. This material is provided for informational purposes only and does not provide any coverage.