Construction workers should be protected against the risk of workplace accidents through insurance programs, with premiums paid for by the contractor company they work for. But the fact that there are still many companies that do not provide this protection has led to the idea of independent safety insurance for construction workers. This paper presents the results of a survey of construction workers’ willingness to follow independent safety insurance programs, where they have to pay their own insurance premiums, based on their understanding of the principles of safety. Chi-Squared Automatic Interaction Detector (CHAID) analysis of 151 construction workers surveyed in the city of Bandung, Indonesia, showed that the variable “has implemented Health and Safety” to be a good predictor for their decisions associated with the value of the premium and its coverage. A group of construction workers that tends to follow independent safety insurance program is a group of workers that often implements safety principles when performing work tasks. Meanwhile, workers that stated that they did not implement the safety principles have a tendency not to subscribe to this program. This paper concludes that at least some construction workers are willing to subscribe to the independent safety insurance program and pay premiums comparable to the coverage.