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Are You Covered by Workers Compensation Insurance?

Understanding Workers Compensation Insurance

Knowing when you are going to be covered by workers’ compensation for a work-related injury or illness can help you save thousands of dollars in medical costs. Sometimes you can also recover lost wages as a result of your workplace injury.

The tricky part lies in determining whether or not your specific situation falls under workers compensation as well as whether your employer even has coverage for you. To determine what times you would and would not be covered under workers’ comp, here are some general guidelines:

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Why Drywall Contractors Insurance is Vital

Installing drywall may seem like one of the more straightforward projects on a site, but the risks involved are anything but straightforward. Drywall contractors need insurance to protect them from complications that can result from the work they performed, especially if someone wants to allege that their work somehow caused damage to something or injury to someone.

Commercial liability insurance, errors and omissions, workers compensation, auto insurance and other types of coverage all contribute to a portfolio of risk reduction that increases your likelihood of continued success while also making you competitive in the contracting world.

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Use These Safety Techniques During Demolition

Demolition work can often lead to tragic unintended consequences. The huge number of variables at play can transform a seemingly safe situation into a deadly hazard in mere seconds. Demolition workers must always be wary of the potential danger held within their work, and their employers must also take steps to reduce risk any way they can.

Project managers can use the following strategies to help accomplish their goals:

Recognize the Dangers

Fatalities resulting from demolition can occur from a huge range of secondary consequences that result when project planners fail to account for every variable of the demolition. Electrocutions, burns, impalements, equipment rollover and any number of other risks can happen once teardowns begin. Other effects can result when hazardous substances like asbestos, lead or gas are exposed after the demolition is underway.

Workers and project managers must be aware at all times not just of the work that they are performing, but also their surroundings and these potential hazards. They must also be trained and have the proper safety equipment to handle any possible complications thrown their way.

Plan the Project Carefully

In order to develop a safe and effective strategy for demolition while still preparing adequately for potential dangers, thorough engineering surveys have to be completed before the project begins. The engineers can evaluate the state of the structure, create a plan for safe destruction of interior, exterior or structural elements and assess all environmental health hazards related to the project.

After the survey, project planners should locate, secure, disconnect or relocate utility service lines as needed. They can also create a fire prevention and evacuation plan and develop strategies to administer first aid or evacuate personnel to emergency medical services should something go wrong.

Provide the Necessary Safety Equipment

As part of the project evaluation, employers must determine the personal protective equipment (PPE) needed during the course of their workers’ duties. This equipment can include:

  • Head, eye, face, hand, foot or full body protection
  • Hearing protection
  • Respiratory systems
  • Personal Fall Arrest Systems (PFAS)
  • Any other protective clothing needed given the project needs, such as welding protection or fireproof suits.

Employees cannot simply be handed these items, either. They must receive proper training on how to wear, fit, inspect, maintain and store their PPE so that the equipment can be relied upon job after job.

Train, Train and Train Some More

Planning and protection can save someone’s skin, but unless they have the proper training they will be placing themselves and their coworkers in danger countless times throughout the project. Each employee has to be adequately trained, and per OSH Act Public Law 91-596 every employer has a responsibility to create a safe workplace for employees.

Ensure that every employee is familiar with the basic tenets of demolition, their specific duties and how to operate their assigned equipment safely. Employees should also be trained on how to identify and remove or avoid hazards that arise during the course of their duties.

Only by taking these steps can demolition be performed safely and workers mitigate the high risk involved. Employers should see to it that they are properly insured as well with general liability insurance and workers compensation insurance to protect themselves  financially from these risks while also covering employees in the event of an injury, medical emergency or even death.

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How to Recover Faster for Less with NYS Workers Compensation Insurance

An injury on the job can be a frightening event. As contractors we understand that even the slightest of injuries can spiral out of control quickly if it does not receive the proper medical attention. Still, plenty of workers never make it to the doctor. They continue working through that injury.  Fear of medical expenses and recovery time are two major detractor to contractor health (and it shouldn’t be). If you get injured on the job you should not have to worry about the cost of your medical bills assuming you or your employer has a workers compensation policy. Here’s what you need to know about NYS workers compensation.

How NYS Workers Compensation Can Help You Get Through an Injury

Who Needs It?

Workers compensation is one of the most popular policies for contractors in New York State. Most of that has to do with the fact that workers comp is required by law from the Eastern most point of Long Island all the way to Buffalo. So, wherever you are in New York, your employer needs to carry some kind of workers compensation policy. If you are self-employed (and employ others) you will also need to acquire that policy. But, that’s enough about who needs NYS workers compensation insurance. The bigger question is what can it do for you?

What Can it Do for You?

NYS workers compensation is designed to protect you from the following situations: injuries, loss of limb, repetitive motion injuries, injuries inflicted at work, medical treatment, rehabilitation and even death. Typically, not being able to go to work would put you and your family in an extremely stressful situation financially. Workers comp should help alleviate some of that stress. It will cover up to two-thirds of your salary until you are able to return to work and will cover any additional medical expenses that you may encounter.

Free Workers Comp Insurance Quote

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How to Make the Most of That Free Workers Compensation Quote

If you’ve read some of our previous blogs, you know that getting the best insurance relies on quality, in-depth research. Without that research, you still might be able to secure a good deal, but you’re leaving your financial future in the hands of fate. For that reason, we find that most people prefer the research route because it allows them to take control of their own destiny (and that route begins with free insurance quotes). Here’s how to make the most of that free workers compensation quote.

3 Steps to Help You Make the Most of Your Free Workers Compensation Quote

1. Just Because It’s Cheap Doesn’t Mean It’s the Best

While it may be tempting to immediately side with the company offering the cheapest, free workers compensation quote; we have to warn you that cheap isn’t everything. Insurance, like any product you buy, is on a value system. If you buy something on the cheap side, you will probably get cheaper build quality. If you buy something that is more expensive, you may end up with more features than you want or need (and your wallet will feel significantly lighter). You want a policy that is in the Goldilocks zone (one that’s just right) and offers you the protection you need at a price you can afford. As a contractor, you need a company that understands that a one-size fits all policy will not work for you (because your needs are unique) so make sure the provider you choose is flexible.

2. Go With the Experienced Company

Amateur hour might be funny in some industries, but when it comes to your insurance you don’t want to have to experience the shortcomings of an inexperienced company. To find an experienced company look for recent reviews of that company. If reviews are generally negative, you may want to abandon that company (even if it is cheaper) for a more reputable one. That way you will always have the peace of mind that your insurance company has your back. All you have to do is research those companies after you are given your free workers compensation quote.

3. Meet with Your Provider

You don’t start a relationship with someone without meeting them first and you should not get into a relationship with an insurer before meeting them. Meeting with the company will give you a better idea of who they are and help you determine whether or not you want to place your trust in that company. If the shoe fits, then your research is over and you can begin (what we hope will be) a long lasting relationship with your new provider.

Getting a free workers compensation quote is a great place to begin your research but, it is just that, a beginning. To fully understand which company will provide you with the best policy we suggest you find an experienced, well-reviewed company that is willing to adapt their policies to best suit your needs. For more information please follow this link. If you have any further questions about a free workers compensation quote please feel free to give us a call at 1-800-649-9094. We look forward to hearing from you!