Illinois construction fatalities rose 7.6% in 2024, with falls still the leading cause of death (Chicago Construction News, June 16, 2026). Every contractor knows the human stakes. Fewer connect the dots to the balance sheet: experience modification rates, insurance premiums, bondability, and the bids you can't win when your safety record slips. This episode reframes falls protection as the highest-ROI line item most scaling contractors underinvest in — and lays out what actually moves the numbe