America's Most Dangerous Jobs

Why NY DFS Denial For NY Workers Compensation Rate Increase Will Cost NY Policyholders More

Several months back we were one of the first to publish the announcement that NY workers compensation rates were increasing by an average of 11.5% effective October 1st, 2012. In a memo announced on July 23rd the Department of Financial…

Insurance Concerns When Opening a Home Day Care

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Many people have the goal of running their own business. For some entrepreneurs, the idea of starting a home-based enterprise is very appealing. Do you find pleasure in caring for and educating children? Then you may want to consider opening…

Why Buying Workers Compensation Insurance Through Your Payroll Provider is a Bad Idea

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  We have all seen the solicitations from ADP, PayChex and the like relating to linking your workers' compensation insurance to your payroll system. While I do not dispute the immediate benefit of such an arrangement, in most instances…

Protecting Your Employees and Your Business

Does your business have the proper amount of workers’ compensation? Unless you are eligible for a legal exception, all businesses in New York State are required to carry this type of insurance. It is designed to kick in after an accident…

Met Risk Lacrosse Team Plays For Charity

Here's a great shot of the Met Risk sponsored lacrosse team which played in the Glastonbury Lacrosse Tournament last week to raise money for The National Multiple Sclerosis Society. The team included one of our Risk Advisors John Hague (2nd…

Workplace Accidents: Are Your Employees Safe?

New York State is home to a wide range of industries, from retail to construction. All workers, no matter how safe their occupations appear, are at risk of being injured on the job. This is one of the reasons workers’ compensation is…

Fire Drills with Children

Disasters could occur anywhere, even at childcare facilities. You must obtain a comprehensive insurance policy before you open the doors of your day care facility to welcome in the little ones. Failing to do so could lead to undue financial…

Preventing Fighting-Related Injuries at Your Day Care

As a childcare provider, you are responsible for every kid left under your care. Day care insurance is an essential part of protecting your assets if something were to go wrong on the premises. A common reason behind injuries at day cares is…