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This informal video recorded in our manufactures warehouse will a standard SRS skylight screen supporting 480lbs of dead weight.
This video is a bit older, but it shows the basic features of the skylight screens.
Unprotected skylights are a deadly hazard. Joe, a roof worker of 25 years, was killed when he unexpectedly fell backward into an unprotected skylight. This video memorializes his life and offers fall protection solutions.
You must cover a skylight with a screen or surround it with a railing. 1910.23(a)(4)
Protecting the skylight must not cause the skylight to break. 1910.23(e)(8). This means that "burglar" screens underneath the skylight are not an acceptable solution. OSHA is concerned about the people who may be under the skylight when the worker falls through (reference).
Cal-OSHA requires a stricter 400 lb. loading requirement. Read more about Cal-OSHA requirements.
To say insurance is not cheap would be an understatement. We live in a litigious society that requires you to ensure your company is protected no matter the cost. A good broker will help you find the best deal on insurance policies, but even then you could be eligible for further discounts. The problem is that many companies do not realize which programs are available to them. Sometimes discounts are available for things they are already doing with their health and safety programs.