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…
Computer screen with code

Disturbing Hacking Trends

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Security experts commonly say that there are only two types of companies these days. There's companies that have been hacked, and those that don't yet know that they've been hacked. Here are some important hacking trends given by a statistical…
colorful codePhoto by Ilya Pavlov on Unsplash

Business Interruption and Ransomware

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Ransomware is a type of malware designed to deny access to a person’s computer unless they pay the hacker ransom. The NY Times reports that these attacks have grown over the past year with a 41 percent increase in 2019. Ransomware attacks…

7 Common Insurance Errors Businesses Make

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We recently left a meeting with one of the largest construction companies in the country, whose sales are north of a billion dollars annually. The first comment my counterpart made was, “I cannot believe how poor their systems are...” I…
people walking blurryPhoto by Timon Studler on Unsplash

A Small Business' Guide To The CARES Act

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On Friday, March 25, 2020, the US Senate passed the CoronaVirus Aid, Relief and Economic Security Act (CARES Act), to help provide financial relief to the people and business of America. This bill is a $2 Trillion dollar relief in response to…
white truck

Hours of Service Law Lifted Amid Coronavirus Panic

As of this past Friday (March 13, 2020), the hours-of-service law which mandates how many hours truck drivers can work will be suspended at a federal level for the first time in history. Moreover, the Federal Motor Carrier Safety Administration's…
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…