BY JANET ASCHKENASY
Visit the offices of progressive, safety-minded construction companies these days and you'll see each and every employee -- management level and otherwise -- stretching, bending and reaching before starting the workday.
To protect their bottom lines, they need to. In some regions of the country, New York City in particular, some insurance carriers have found the workers' compensation market for construction so troubling they have withdrawn from it altogether. Contractors have taken on more retentions and are much more vigilant about safety as a result.