When you bring on subcontractors for your business, ensuring they have the right insurance coverage is crucial for protecting your bottom line and avoiding potential liabilities. One of the best ways to verify their coverage is by obtaining and carefully…
Planning a home improvement project? Whether it’s a small renovation or building your dream home, there’s a crucial piece of paper you need to request from every contractor you hire: a Certificate of Insurance, or COI. What Exactly is a…
Facing an upcoming health inspection can be nerve-wracking for any restaurant owner. However, with the right preparation, you can approach it with confidence. This guide outlines what health inspectors look for and how to ensure your establishment is ready. What…
Running a restaurant involves inherent risks, and fire is a significant concern. Maintaining proper fire safety measures isn’t just about protecting your staff and customers; it’s also vital for ensuring your insurance coverage remains valid and preventing potential claim denials.…
When it comes to liability insurance, especially for contractors, there are certain exclusions that can significantly impact coverage. “Action Over” claims and Employee Injury Exclusions are two critical areas to be aware of, especially if you operate in New York.…
Workers’ compensation insurance is a crucial expense for any business with employees. It protects your business and your workers in case of work-related injuries or illnesses. But traditional workers’ comp payment methods can sometimes lead to unexpected costs and cash…
If your business is undergoing changes to its legal structure or ownership in New Jersey, you might encounter the ERM-14 Form. This form is a crucial part of the process for updating your records with the state. Here’s a breakdown…
Workers’ compensation insurance is designed to protect your employees in case of work-related injuries or illnesses. But did you know that your company’s claims history can directly affect the cost of your premiums? This is where the experience rating modification…
When it comes to insuring your home or business, the type of building construction plays a significant role in determining risk and coverage. Different construction types have varying levels of fire resistance, durability, and susceptibility to damage. Let’s explore some…
As a business owner in New York State, you’re responsible for more than just workers’ compensation. You also have obligations regarding disability benefits for your employees. Let’s clarify what you need to know to ensure your business is compliant. NYS…