Crane disasters became quite common in the world as the anticipation for rapid urban development has increased globally. Bigger building, bigger projects, and exploding payrolls for the biggest construction companies have attracted a glut of workers, trained and untrained, to build these projects. Regardless of how long is dedicated to safety, accidents and crane collapses will happen.
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Safety and peace of mind are the reasons people spend money on either insurance or other things to mitigate disasters or the financial burden afterwards. No one can predict if a phone charger is going to spark a fire, but there are many ways one can prepare for something like that happening.