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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.

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How to Get Your Snow Removal Contractor License in NY

Coming from Buffalo, you kind of get an understanding that snow is more than just the pretty stuff that falls around Christmas. Sure, there’s an elegance to it but you also have to respect its’ potentially destructive nature. Enough of it can cause major power outages and make roads downright dangerous, increasing the chances of potentially serious auto accidents. It is in these situations that every profession (no matter big or small) relies on snow removal contractors (and we need as many as possible in NY). Listed below is your three step guide to getting your snow removal contractor license in NY because the Empire State needs you.

Your Guide to Getting Your Snow Removal Contractor License in NY

1. Get Experience

Unlike some licenses, a degree is not required to get your snow removal contractor license in NY. Experience and skill will be favored more heavily than any degree you acquire (although a business degree may help you avoid potential pitfalls down the road). Typically, you will be required to have 1 to 3 years of experience operating snow removal vehicles before you can apply for your license and become an independent snow removal contractor. Through experience you will also get a better overview of the process, customer expectations and what skills you may need before you can open your own business.

2. Create Your Business Plan

After you have locked up your 1 to 3 years of experience you should start formulating your formal business plan. This should detail what equipment you may need, your goals and potential revenue. You should also consider what you will do for business during those months where snow does not fall.

3. Get Insured, Funded and Licensed

Your final step to obtaining your snow removal contractor license in NY may be your most complicated one. Insurance, funding and licensing will all require quite a bit of research and money. Before you open your business you will have to have enough capital to cover overhead costs (such as equipment), a viable business plan that will help a bank approve you for a business loan and enough money left over to carry insurance (especially workers comp and general liability).

Hopefully our three step guide will help you get on the fast track to obtaining your snow removal contractor license in NY. If you have any further questions about the process, or about your insurance needs, please feel free to give us a call at 1-800-649-9094. We look forward to hearing from you!

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10 Winter Weather Safety Tips for NY Contractors

Winter is about to get a whole lot chillier over the next week. Cold, arctic air from the northern-most regions of Canada and Alaska is about to swoop down and turn the five boroughs into a winter wonderland. While that might be a great opportunity for you to take the kids out sledding or a snowball fight, it can make working outside downright dangerous. That’s why we’ve put together this comprehensive list of winter weather safety tips that should make the next couple months a lot less troublesome.

OSHA’s Top 10 Winter Weather Safety Tips for NY Contractors

OSHA or the Occupational Safety and Health Administration has made it a priority to make sure that contractors who are working during the winter months are prepared for what the cold has in store. A few years ago they published a cold stress card which, we still feel is one of the best points of reference for those contractors who decide to operate during the winter. Here are their top 10 winter weather safety tips for NY contractors.

1. Recognize

Take note of the environment. If it looks too dangerous, re-evaluate and plan accordingly.

2. Learn

Understand the signs of cold-induced illnesses and injuries (such as hypothermia). It will save you and your employees during a time of emergency.

3. Train

Train your employees on how to identify cold-induced injuries and illnesses because they will need to know how to react if you’re not around.

4. Encourage

Encourage employees to wear proper winter clothing if they are planning on working in frigid conditions.

5. Take Breaks

Sometimes the slower party wins the race. Short, frequent, sheltered breaks will help your employees stay warm. They’ll also be more physically and mentally acute.

6. Schedule

Try to work during the warmest part of the day in order to avoid costly setbacks and injuries.

7. Avoid

Avoid exhaustion which can occur easily when energy is expelled to keep muscles warm. The warmer your employees are the more productive they’ll be.

8. Use the Buddy System

Accidents happen, but with the buddy system your employees will be able to identify danger signs much more easily.

9. Eat Warm, Drink Warm

Warm, high calorie foods (like pasta) and warm, sweet, de-caffeinated beverages are excellent at keeping the body at a desirable temperature in frigid conditions.

10. Remember

Their may be an increased risk of injury if employees are taking certain medications, are ill or are unfit for work. So, make remember who is best suited for you.

We hope our top 10 winter weather safety tips for NY contractors will keep you and your employees safe over the next couple months. If you have any further questions please feel free to give us a call at 1-800-649-9094. We look forward to hearing from you!

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How to Get Your NY General Contractor License

When you are first beginning your journey as a general contractor in New York you might be wondering what classes you have to take (or what experience you will need). But, what people do not typically consider are the actual licensing requirements they need to meet. And seeing as you are trying to become a contractor in a state that can be riddled with unforeseen taxes and regulations; you might be a little skeptical (and you’d be right). Or, so you’d think. Actually, understanding how to get your NY general contractor license is fairly easy. It’s just getting the license that’s difficult.

Getting Your NY General Contractor License AQAP (or As Quick as Possible)

Understanding what you need to do to get your NY general contractor license will help you being your journey towards success. If you don’t understand the rules, regulations and requirements you may find yourself spending an exorbitant amount of time and money on unnecessary pursuits. Listed below are the requirements you will need to become a general contractor in the Empire State.

1.       Meet These License Qualifications

In order to officially receive your NY general contractor license you must meet the following qualifications.

  • 18 years old or older
  • Be able to read and write the English language
  • Good moral character

2.       Pass a Background Investigation

On top of the qualifications specified above you will also need to pass a background investigation. The investigation will likely cost you around $330 and you will have to provide state officials with your photo ID, your social security card, and proof of residence, 3 consecutive bank statements and a typed, completed and notarized LIC6 application form. Background checks aren’t cheap, but, unfortunately they are necessary so be sure to get your check done as soon as you can.

3.       Provide State Officials with Additional Documentation

Depending on your situation, the state may require you to provide them with additional information. So, whether you are an LLC, sole proprietor or corporation you will want to check out New York State’s documentation requirements (which we have provided for you here).

4.       Apply for Your License

Congratulations! You have made it to the final stage (and the actual application). Once the Departments Licensing Unit decides that you meet all of the requirements for a license they will send you a letter. Within that letter will be instructions and required items that must still be submitted to the Department in order for you to get you license. You have 365 days after you receive that letter to obtain your license so be sure to act promptly.

If you have any further questions about obtaining a NY general contractor license please feel free to give us a call at 1-800-649-9094. We look forward to hearing from you and best of luck!

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Certificates of Insurance – Help for the New York Construction Industry

For years, those receiving Certificates of Insurance reflecting coverage held by New York contractors could never be certain of the breadth of coverage afforded by the policies. Many of the insurers covering contractors working in New York place restrictive endorsements on their policies, and these endorsements are not normally shown on a Certificate of Insurance.

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