Liability insurance is insurance coverage that covers those liable for an injury or incident that occurs. One can be insured id they are “additionally insured” on a policy, guaranteeing them coverage if a claim arouses as long as all parts of the policy are held.

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What is Hired and Non-Owned Auto Insurance?

Non-Owned Automobile Liability If you do not own a car but frequently borrow other people’s cars, rent cars or use a car-sharing service, non-owner auto insurance offers you coverage if you cause an accident. Non-owned automobile…
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…
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When An Employee Is Injured At Work More Than Once

Accident Intervention Plans are meant to reduce the risk of incidents occurring on the job more than once. If an employee is injured repeatedly on the job, then putting your plan in action may be long overdue. The focus of an Accident…
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Local Law 196 Outlines Site Safety Training Requirements for NYC Construction Sites

New York City’s Department of Buildings released requirements for Site Safety Training. For workers employed on projects with an active Site Safety Manager, Site Safety Coordinator, or Construction Superintendent, the following rules will…
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Serious Workplace Injuries: The Top 10 Causes

Recently Liberty Mutual released their annual workplace safety index documents which included the "Top 10 Causes Of The Most Serious Workplace Injuries". These injuries cause employees to miss 5 or more days from work or were fatal. Liberty…
Liability insurance program

Construction Liability Insurance: Why Loss Pics Are Important

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There is a secret to knowing your construction liability insurance renewal pricing months early. What if we told you that you could predict within a reasonable variance how much your construction liability insurance pricing will change at…
Are Site Safety Cards Required for All Construction Workers?

The Importance of a Work Site Accident Witness

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The Importance of Worksite Accident Witnesses Finding a witness to a worksite accident resulting in injury or property harm is of the utmost importance to contractors. A worksite accident witness is an integral component for the defense.…
construction worker falling

Building A Ladders Last Safety Program Yields Cost Savings On Your Construction Liability Insurance

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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…
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Why Job Descriptions Save Money On Workers Compensation Insurance

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"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…