woman working from home

How Workers' Compensation Class Code #8873 "Telecommuter Reassigned Employees" Can Help You Save Money On Your Insurance Premium

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The New York Workers’ Compensation Insurance Rating Board (NYCIRB) has released a new class code for ‘Telecommuter Reassigned Employees’. If you are a business owner you might be wondering how do I adjust my workers' compensation rates…

National Safety Stand-Down Week Announced ( With INFOGRAPHIC)

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OSHA recently announced that the National Safety Stand-Down Week will take place September 14-18, 2020. This week is to recognize fall dangers, and, in general, work-site safety. Fall-related injuries continue to be the number one leader in…
diverse construction workers

Social Distancing on Construction Sites

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Where is Construction with Social Distancing Currently? Social distancing is already a hard task in our daily lives around the house. It is substantially harder when at work, especially when in the construction business. Construction involves…

Hand Sanitizers Risks in the Workplace

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Hand Sanitizer Problems According to a recent event that occurred on a construction site, the Mechanical Contractors Association of America has announced to be extra cautious with brand-name liquid hand-sanitizers at the workplace. Many of…
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…
busy street in JapanPhoto by Sam zeng on Unsplash

Hired & Non-Owned Liability Coverage

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In the pursuit of operational efficiency, many organizations have inadvertently created a "shadow fleet." To reduce overhead and capital expenditures, companies across all sectors—from Home Healthcare to Construction to specialized Sales…
power lines and streetlight

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…