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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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Complete Your HVAC Contractor Insurance Foundation with These 3 Policies

Trying to find the basic insurance policies you need to run your small business can be a bit like finding a needle in a haystack. Companies may try to sell you a thousand policies at once or focus entirely on one specific coverage but, there are very few basic insurance breakdowns out there. That’s why we decided to put together this list of HVAC contractor policies that you can use to establish a strong insurance foundation.

HVAC Contractor Insurance – The 3 Basic Policies Every HVAC Contractor Needs

1.       Contractors General Liability Insurance

General liability insurance is an essential asset for any small business owner (especially if you own a contracting business). In this industry there are more than a handful of ways for you to lose quite a large sum of money in a very short period of time. General liability insurance is designed to reduce that peril. Defined as an insurance policy that offers protection against third-party claims of property damage, injury or bodily harm, loss of life or limb, or negligence, general liability insurance has the stopping power you need to protect your business from lawsuit-induced financial loss. It is also required by law in most states which is why we would consider this the most important HVAC contractor insurance policy on this list.

2.       Contractors Workers Compensation Insurance

Well, workers compensation insurance may give general liability a run for its’ money (at least in terms of importance). Like the aforementioned policy, workers comp is required by law in most states (except for Texas) making it an essential component of HVAC contractor insurance. It is designed to cover everything from injury or loss of limb, repetitive motion injuries, medical treatment and lost wages to death and emphysema. Needless to say it covers a lot (a lot more than we can cover in this post), so if you would like more information, please check out our page on workers compensation.

3.       Commercial Auto and Truck Insurance

Commercial auto and truck insurance might not have the same legal requirements as general liability insurance or workers comp but, it’s still a necessary piece of HVAC contractor insurance. If you use a vehicle to transport goods, people or perform other business related tasks then you may want to consider acquiring this policy. It will not only protect you (the driver) but the goods and employees you are transporting. Two things that your personal policy will not cover.

Free General Liability 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!

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Workplace Injury Prevention for Contractors – Paving the Way to a Safer 2015

This past week has been cold (and we mean really cold). Still, we saw some contractors out and about last week; clearing snow, and working on other projects (like the beginnings of a kitchen remodel) that New York contractors have come to expect from November until April. While jobs may be slow during our offseason, they still carry the same amount of risk and danger (perhaps more) that we deal with during the warmer months. This past year alone there were an estimated 12 fatal injuries a day, which is why we at Contractors Insurance are making it our New Years resolution to make your workplace as safe as possible. We know we don’t have the power to prevent all workplace injuries, but with some basic information you might be able to create safeguards against the most common causes of injury. Listed below is our road-map to workplace injury prevention in 2015.

Workplace Injury Prevention Road-map

To better understand how to avoid injuries, we think it best to start by defining which injuries are most prevalent in the workplace and then break them down for our workplace injury prevention road-map. So, without further ado, here are the top 5 causes of onsite injuries.

Motor Vehicle Accidents

It’s winter time which means the likelihood of you being involved in a motor vehicle accident is much higher than when the roads are warm and clear. Whether you are a snow removal contractor or a commercial truck driver be sure to educate yourself and your employees on safe driving techniques and provide proper training for those employees. Doing both will lessen the chance of a potential accident.

Musculoskeletal Injuries

Musculoskeletal injuries are typically caused by overexertion (like heavy lifting) and fatigue. You can improve workplace injury prevention by teaching employees proper lifting techniques and by keeping them well rested and physically fit.

Repetitive Motion Injuries

Repetitive motion injuries typically take a while to set in but they are extremely common. They’re also protected under your workers compensation policy. To avoid higher premiums encourage your employees to take breaks and reduce frequency of an activity if they begin to notice unusual amounts of pain.

Slips, Trips and Falls

Slips and falls are fairly common on contractor work sites (and are even more so during the winter). By using proper signage to warn of dangerous conditions and maintaining a clean work site you will soon be prepared for workplace injury prevention.

No matter how serious you are about workplace injury prevention, accidents still may happen. When they do, you will want to make sure you have both general liability insurance and workers compensation to ward off any potential disasters. If you have any further questions please feel free to give us a call at 1-800-649-9094. Stay safe!

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How to Use a Workers Compensation Quote Online to Save Time and Money

It’s a pretty well-known fact that, as a contractor, you are legally required to carry workers compensation insurance. To not carry it can result in some pretty nasty fines and can even force you out of business. And nobody wants that. But, we also know that contractors (like most people) don’t want to spend more than they should on policies that provide inadequate coverage. So, what can you do to get quality insurance for a reasonable price? Our suggestion; get a free workers compensation quote online.

Workers Compensation Quote Online – How to Get the Best Insurance

Before you get your quote there are a few ‘insurance-y’ things that you’ll need to take care of. And don’t worry, it’s not overly complicated. It just takes some time. Listed below are the steps you will need to take to ensure that you get the best policy for the least amount of money.

1.       Research

When you’re looking to acquire any kind of insurance you should always have as much research as you can. Why? Because that information could pay dividends down the road. Take advantage of a workers compensation quote online, compare it to quotes from other company’s and determine where you get the cheapest insurance. Once you can limit your search results to your top three (or top five, if you must) you’re ready to advance to step two.

2.       Look for a Reputable Provider

Step two requires you to dig a little bit deeper than step one. You already know where you will find cheap insurance and now you want to find out where you can get the best insurance. Finding the better buy (or the best buy) will help you if (and when) one of your employees is injured as a result of some work-related activity. In order to find the best buy, try to get reviews and recommendations from previous customers.

3.       Schedule a Meeting

Alright, so now that you have chosen the best workers compensation quote online it’s time to meet with your insurance provider face to face. You never want to just go ahead and buy insurance online. Talking with your provider should allow you to tailor the policy to your needs rather than shoving you into a one-size-fits-all policy. A simple meeting could save you even more money.

Hopefully this blog will help you find the best workers compensation quote online as well as the best provider. Hand in hand, those two things should create a stable insurance arsenal that will protect you when adversity strikes. But, until then, stay safe and have a very happy holiday!