college football quarterback

If A Football Team Was Run Like Most Safety Programs

Football as a Business After watching the Super Bowl this past weekend, I started to think, “What if a football team was run like a business?” The offensive team would be the production department, always pushing for the goal before…

The One App That Could Lower Your Insurance Costs By 30 Percent

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Mobile App Insurance If you are still using paper forms to report claims, you are on the losing end of the cost battle. Every company struggles with lowering their costs. The winners understand that lower costs equal greater market share or…
OSHA Requires Jobsite Postings of Form 300A By February 1

OSHA 300A Must Be Posted From Feb. 1st - April 30th

Remember to complete and post OSHA Form 300A, which lists a summary of the total number of job-related injuries and illnesses that occurred during 2015. The form must be posted from February 1st to April 30th, 2016. Fines for not doing so…
glasses on laptop

Top Blog Articles for 2015

Based on our analytics, these were the top read Blog Articles of 2015. We put a lot of time and thought into these. We are happy to see the dividends of our efforts. Every year business becomes more and more competitive which is why we must…
businessman filling out paperwork

Important Update: Department of Finance New York Warns Not To List Additional Insureds When There’s Automatic Coverage

As of December 14th, 2015 the New York State Department of Financial Services has informed us that insurance producers (Agents & Brokers)  may not list individual additional insureds on a certificate of insurance when the policy provides…
shoe and plastic cast

What To Expect When An Employee Goes Out on Disability

In New York, Short Term disability is an employer required program that pays 50% of pre-disability wages, up to a maximum of $170.00 per week (unless the employer provides additional coverage) to an employee who is unable to work, because of…

Late Reporting of Employee Injuries will Lead to NY Workers Comp Board Fines

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At Metropolitan Risk, our best practice clients understand the critical importance of getting employee injuries into the workers compensation system. Each injury that goes undetected or unreported costs the employer up to 39% more for the same…

Understanding the Difference Between Cost of Risk & Cost of Risk Financing: An Untapped Competitive Advantage

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If you are like most small to mid-sized organizations (under $1 billion in sales) then you should be prepared to define these two terms and understand their consequences for your business. Risk Financing is a fancy term for insurance. Think…

Working on a Wrap Project: You're Not As Protected As You Think

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I work with high risk businesses every day, and sometimes, when I think I’ve seen it all, something new comes around to surprise me. Many large construction projects will use a “Wrap” or an “OCIP/CCIP” (For more info on what this…