contract being shredded

Who Is Exempt From Workers Compensation Coverage?

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The New York workers' compensation insurance law requires the majority of employers to have appropriate workers comp insurance coverage in place. However, there are three key exemptions. Sole Ownership If you run your business alone and don’t…
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Hired & Non-Owned Liability Coverage

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As businesses of all sizes and industries are reevaluating how they plan on doing business moving forward, many small businesses have shifted from physical retail locations to online and home delivery services. This is to keep up with customer…
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Business Interruption Insurance Coverage For Business Continuity

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Most business owners view the whole insurance purchase and claims process as a black art, which this writer completely understands. After 25 years in the business, I too scratch my head at some of the “spells” insurance carriers concoct. Let…
Are Site Safety Cards Required for All Construction Workers?

COVID-19 Safety Guidance for the Construction Industry

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Are you a construction firm working in NY? We found this great presentation by Domenique Camacho Moran, Partner and Head of the Labor & Employment Practice at Farrell Fritz addressing some of the parameters that various state and city agencies…
Woman working from home

Covering Your Out of State Exposure NYSIF Workers Compensation Policy

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If you have jobs, locations, work, or employees who are now working from home and you are covered by the NY State Insurance Fund you need to make adjustments to your workers' compensation insurance policy. Understanding the out of state exposure…

7 Common Insurance Errors Businesses Make

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We recently left a meeting with one of the largest construction companies in the country, whose sales are north of a billion dollars annually. The first comment my counterpart made was, “I cannot believe how poor their systems are...” I…
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A Small Business' Guide To The CARES Act

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On Friday, March 25, 2020, the US Senate passed the CoronaVirus Aid, Relief and Economic Security Act (CARES Act), to help provide financial relief to the people and business of America. This bill is a $2 Trillion dollar relief in response to…
risk management button

What A High Experience Mod Means and How It Can Affect You

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You've just seen your Experience Modification Rating (EMR) and it is high again. Or your worst-case scenario, it has gone up again. Year over year, you've spent time shopping for your insurance due to your high EMR. It is time to stop shopping…
OSHA Inspections and Fines

Did You Know It's a Felony for an Unsafe Work Environment?

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Did you know it's a felony for an Unsafe Work Environment? Did you know that having a blocked emergency exit could cost your organization about $130,000? Were you aware that safety and supervisory staff could face up to 25 years in FEDERAL…