CPAP Workers Comp Premium Credit

Is Your Construction Company Missing Your CPAP Workers Compensation Insurance Premium Credit

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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…
construction worker falling

Ladder Safety Plan Is Critical To Controlling NY Construction Liability Insurance Costs

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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…
car accident

Drive Other Car Coverage Helps to Bridge Auto Policy Gap

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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…

Why You Need Claims Management on OCIP Workers Compensation Claims

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CCIP or OCIP Workers Compensation claims can cost you a lot. Contractor Controlled Insurance Program (CCIP) and Owner Controlled Insurance Program (OCIP) are insurance programs that are designed to “wrap up” most, if not all, all of the…
toxic stamp red

Why NY Construction Insurance May Be Toxic To Your Profits

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Why NY Construction Insurance May Be Toxic To Your Profits I was having a beer with a friend of mine at a golf outing recently. He’s an accountant in the construction practice group at a major accounting firm. I told him the story about a…
train-tracks divide

Why The Commercial Insurance Marketplace Fails Your Business

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Simply put, the insurance claims goals between most commercial insurance buyers and the carrier / brokers heretofore named the insurance marketplace are misaligned. The goal of a savvy insurance buyer is to transfer as much risk to the…
woman thinking out loud

Workers Compensation Audits and Independent Contractors

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Workers Compensation Audits and Independent Contractors One of life’s many non productive responsibilities is managing your annual workers compensation audits and Independent Contractors. Whats worse is pulling together all that information…
Department of financial services

Follow-Up: NY State OKs Naming Entities as Additional Insureds Where Status is Blanket

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On December 18th, The New York State Department of Financial Services told the IIABNY that, where a liability insurance policy contains an automatic or blanket additional insured endorsement, certificates of insurance can name specific additional…

Working on a Wrap Project: You're Not As Protected As You Think

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I work with high risk businesses every day, and sometimes, when I think I’ve seen it all, something new comes around to surprise me. Many large construction projects will use a “Wrap” or an “OCIP/CCIP” (For more info on what this…