claim denied

Understanding Your Commercial General Liability Insurance Will Absolutely Save Your Business From Financial Ruin

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Most businesses who purchase commercial general liability insurance have little understanding of how it’s structured and what is important. Instead they focus on the amount of limits offered per occurrence and the premium being charged for…

A Fireside Chat with A Claims Adjuster

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Our Claims Advocacy Team got to sit down with a workers’ compensation claims professional who specializes in high exposure claims. They discussed a high exposure claim that wasn’t reported timely to the carrier after the incident occurred.     Please…

New York State's Updated Sick Leave Law

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New York State’s Paid Sick Leave policies were introduced on April 3, 2020, and went into effect on Sept. 30, 2020. On January 1, 2021, employees may start using their accrued leave.  The number of sick leave hours required is based on…
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…

New York's DOL Introduces New Notice Of Pay Rate form for Home Care Providers Under New York Wage Prevention Act Updates

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Effective October 1, 2020, New York State's Department of Labor requires a new Notice of Pay Rate form for employers.  The form is required to be used by home healthcare aide under the Wage Parity Law. The updated changes to the New York Wage…
Adult Day Care Insurance

Adult Day Care Considerations for Your Business

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Running an adult daycare seems to be one of the harder gigs. Between keeping employees in check and fully trained and clients safe, it is a hard organization to manage. Our adult daycare inspection considerations list should help you keep insurance…
elderly couple sitting

COVID Nursing Home Crisis

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As COVID-19 continues to spread across the country, those who have serious health problems or are at risk continue to search for ways to avoid coming in contact with the virus. For the over 1.3 million people currently living in nursing…
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COVID-19 on NYS Workers Compensation

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The COVID-19 outbreak has spread all throughout America, but most notably in New York. Considering America’s largest metropolitan hub is New York City, when the disease hit it was bound to be catastrophic. Due to the heavy outbreak in New…
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…