With insurance mistakes can be hidden for years until a claim arises. Then the error becomes obvious and expensive. One error we see often is when single owner or dual owned businesses voluntarily elect to trigger the executive officer exclusion on their workers comp insurance. Most states require employers to purchase a workers compensation insurance […]
Under the electronic reporting rule of the Occupational Safety and Health Administration (OSHA), certain establishments must report information electronically from their OSHA Forms 300, 300A and 301. In addition, OSHA is required to create a website that can be used to submit the required information. The original deadline for first reports was July 1st, 2017. […]
Fall protection and safety is a major concern at construction sites. In fact, OSHA cites injuries from falls as one of its top 10 worksite injuries and a huge driver of insurance costs in states like NY which have laws that specifically address falls from a height. Falls and falling objects result from unstable working […]
A false workers compensation claim is more common than you might think. The sooner you call the sooner we can help you work through it. The workers’ compensation insurance system is a no-fault method, paying workers for medical expenses and wage losses from on-the-job injuries. Billions of dollars of false claims submitted each year, says […]
“Do I really need to write job descriptions?” We are asked this question constantly when we are setting up a workers compensation cost containment program. We say absolutely if you want to distinguish yourself AND save big bucks when you purchase workers compensation insurance! Job descriptions are by no means required by the Dept of Labor, […]
If you are a construction company that purchases workers compensation insurance make sure you are receiving the CPAP workers compensation insurance premium credit. The Contracting Classification Premium Adjustment Program (CPAP) is a discount program that can reduce the amount that an a construction company pays in workers compensation insurance premiums. It was designed to help […]
When evaluating your insurance program an often overlooked coverage is Employee Practices Liability Insurance, or EPLI for short. Failure to properly pay a fair wage and calculate time worked including time off can land any unsuspecting business owner in trouble with the Department of Labor. In New Jersey, for example, wage payment laws might not […]
Why Ladder Safety Is Important To Controlling NY Construction Liability Costs Falls from elevated surfaces are frequently listed as one of the top 10 causes of accidents in the workplace. Most of these accidents occur due to failure to follow basic ladder safety. In New York a fall from a height may trigger Labor Law […]
If you provide company vehicles to your employees and these employees don’t have their own personal automobile insurance policy, a potential gap in coverage exists. To adequately cover commercial automobile liability, a drive other car endorsement is specifically intended to bridge this commercial auto liability insurance coverage gap, therefore keeping you safe. Drive Other Car […]