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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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The 5 Contractor Safety Tips Every Builder Should Know

America is, and always has been, a nation of builders. We started with simple log-cabins and sod houses, which made for simple living but, it was living nonetheless. As our methods become more advanced we conquered the sky with buildings that soared through the clouds. We built a rail-line that unified our two costs and created the infrastructure for our industrial future. Beyond establishing the foundation that our country stands upon, our builders have been the talisman that the rest of the world has followed for over a century. While our list of accomplishments is impressive, there are still areas that we can improve on (take workplace safety for example). Last year alone there were roughly 12 work-related fatalities a day and, as world leaders, we can make strides to reduce that number even further if we have the proper education. Without further ado, here are our 5 contractor safety tips that will keep you and your team safe.

Stay Safe with These 5 Contractor Safety Tips

1. Site Cleanliness

Keeping a construction site entirely clean is pretty much impossible. However, some semblance of cleanliness could be the difference between a fatal injury and a minor trip or fall. To keep your worksite clean be sure to keep materials organized and instruct your employees on where materials should be placed during the work day.

2. Asbestos

Asbestos is common in old buildings in the States and is incredibly dangerous (and a major obstacle to contractor safety) if you do not take the proper precautions. Before you begin working on a worksite have an expert check for asbestos-containing materials (like sprayed insulation and asbestos cement) and have your employees educated appropriately.

3. Falls

Falls may be the most lethal component on this list but, they also may be the most preventable. With the proper equipment (scaffolding, guardrails, etc.) and proper training (i.e. how to properly use powered access equipment) we should be able to reduce the frequency of falls and significantly improve contractor safety.

4. Effective Lifting Technique

Lifting injuries might just be the most frequent cause of injury on this contractor safety list. Most injuries occur either because the contractor in question lacks the physical fitness necessary to complete the task or they have received improper training on lifting techniques (i.e. lifting with your back instead of your legs).

5. Transport

Due to the high volume of other drivers on our roadways, transport for your business can become a risky endeavor. Instruct your employees on the consequences of a traffic accident, what it could mean for their future as a contractor and give them instruction on defensive driving. Driving fast doesn’t mean the project will get done faster, driving safely and ensuring that both equipment and personnel arrive in one piece will.

These 5 SAFE-T contractor safety tips should help ensure that we as builders remain a step ahead of the rest of the world while simultaneously creating a safe environment for our fellow builders and employees. Still, there will be instances where injuries do occur (regardless of precautions taken) and in those moments it pays to have a quality workers compensation policy. If you have any further questions about workers comp or contractor safety please feel free to give us a call at 1-800-649-9094. We look forward to hearing from you!

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High Risk Truck Insurance: Your One Stop Shop to Protect Your Tow Truck

For the past few years I have relied on the services of a Long Island Towing company to transport and resurrect my aging Jeep Cherokee. But, those times have come and gone and the car that has been driving my family around for the past sixteen years will be making its’ last journey later this month. It has seen over 250,000 miles worth of wear. It has seen the entire Eastern seaboard of the coastal United States. Traveled as far West as the Great Plains and even served as a temporary home for some of my family members (even me) at times. So, when our Cherokee’s engine goes to rest for the final time it will be time to reminisce about all of the memories that we had in our car. Memories that would have never been made possible without the help of a towing company dedicated to keeping my car on the road.

Unfortunately, not everyone may be as appreciative of your services as my family and I have been. Disgruntled customers and minor accidents can turn into major obstacles for your towing business if you are not adequately insured. To avoid such a cataclysm we have included some of the policies that you may want to consider acquiring (under high risk truck insurance) to cover your business. Read more