enforcecoveragegroup

[enforcecoveragegroup]

Selecting the Best Business Insurance for Your Needs

Many business owners don’t realize the importance of protection. They think they have it all covered, and then something happens that changes their minds. Whether you are a small business or a large corporation, there is protection out there for you. It’s essential to do your research and choose what suits your needs best. Insurance can be complicated, so here are some steps to help make this process easier:

Figure out what kind of protection you need (legal protection, essential protection)

Identify the risks associated with your industry/business type

Research which insurance company provides protection in the form that best suits your needs

How do I protect my business?

There are plenty of ways to protect your business! For example, some companies might choose fire protection while others might select income protection. Business insurance is also needed to protect your company. Let us look at two important yet different types of protection:

Essential Protection

Essential protection for businesses can come in many forms, but typically, you need to get your finances covered and your employees insured. This type of protection typically includes protection from lawsuits, protection for your assets, and protection for injured employees.

Legal Protection

A legal protection plan should provide peace of mind by offering assistance with any litigation issues a business may face. This could include anything from defending personal injury lawsuits to handling intellectual property infringement claims – they are all taken care of under one roof!

What are some risks my business may face?

One of the biggest risks your business can face is liability claims and compensation claims when an employee is injured on the job. The only way to protect yourself from this type of risk is with proper workers’ comp insurance. Some other risks your company may face are:

Loss through theft or vandalism

Damage from fire, hail storm, etc

Natural disasters

These aren’t the only problems your business can face, but these are some of the more common dangers.

Protect your business from risks!

The right insurance can protect your company from many risks. It is crucial to find the best insurance that meets all of your needs and fits into your budget.

Workers’ comp insurance protects workers if they are injured on the job. In contrast, general liability insurance covers property damage or bodily injury caused by a business’s negligence. Business owners can add different types of coverage like medical payments and vendor contracts for extra protection.

For more information about selecting the proper form of business insurance for your company, contact our team at Enforce Coverage Group today!

  The post Selecting the Best Business Insurance for Your Needs appeared first on Enforce Coverage Group.

[enforcecoveragegroup]

Why Do I Need an Insurance Broker for My Business?

Why Do I Need an Insurance Broker for My Business?

Dealing with insurance can be a headache for any business owner. You have to deal with the complexities of various types of coverage, different rates that vary by company and industry, and determining which type of insurance will best suit your needs as a business owner. It is no wonder why so many people choose to hire an insurance broker instead. Hiring an agent means you don’t need to find all the information yourself – they are experienced professionals who know how to help you make decisions that will work best for your business!

In this blog post, we’ll go over some reasons why hiring an agent would be beneficial for your business.

What are insurance agents and insurance brokers?

Insurance agents are experts in their field who can help you find the right coverage for your needs. They work with companies to protect against financial loss from accidents that may happen during the policy’s term. Agents can be found in a variety of industries, such as healthcare insurance, commercial insurance, life, and disability coverage.

What is the difference between an insurance agent and an insurance broker?

An insurance agent works for a single company, whereas an insurance broker can represent more than one insurance company. Insurance agents are licensed to sell and offer advice on specific types of business insurance. Insurance brokers have licenses that allow them to work with any provider. Brokers are able to find the most appropriate coverage for your needs based on the risks involved in your industry. Agents typically only specialize in one type of coverage such as auto, home, health/life, etc., or in a single insurance company’s product line.

You may want to employ both an agent and a broker depending on what you need insured – they each bring different strengths which together make up the perfect team!

Is it cheaper to buy small business insurance through an insurance agent or broker?

When an insurance broker writes a policy for a client, they are paid a commission by the insurance company. The percentage of this commission is based on the type of insurance policy, and commissions vary from company to company. A licensed insurance broker may find better rates than an individual could through their provider because they have access to multiple companies who are willing to give better rates, thus, making them competitive across all carriers. This makes them much more likely to provide you with the best possible policy, making sure it’s tailored for your needs and at a competitive price point.

A good insurance agent will not only offer you the best types of policies, but they should also look at what type of risk your business is carrying and how much it would cost to insure. They can help find a policy that matches the size and scope of the company’s current needs while providing protection for future growth. Many agents are able to offer higher quality service because they have more expertise in assessing risk levels. The fact is an insurance broker will be able to help their clients save money by working more diligently in finding multiple companies who are willing to give rates so that they are competitive across all carriers.

Why do I need an insurance broker for my business?

Like any business, you need to remain protected. You need to know what your risks are and how much they’ll cost if something happens. It’s not just about protecting yourself, but also your employees and customers. The type of business you have also dictates what types of policies you need to buy, such as commercial liability, worker’s compensation, property damage, and so on. These types vary by company, so it pays off when using an expert. An insurance broker will be able to represent you in all types of situations that may arise. Having someone on your side will ensure that everyone involved gets access to the best coverage at affordable rates.

Hiring a New York insurance broker to handle your business’s coverage is a smart investment. Whether you are just starting out or want to take advantage of the latest trends in customer service, having someone who knows what they’re doing can help save time and money for your company. Contact the Enforce Coverage Group team today! We look forward to hearing from you.

The post Why Do I Need an Insurance Broker for My Business? appeared first on Enforce Coverage Group.

[enforcecoveragegroup]

Workers’ Comp Insurance: What Is Covered?

If you are a business owner with employees, workers’ compensation insurance in New York, New Jersey & Connecticut is a must. Workers’ comp will cover medical expenses and lost wages for employees who suffer from work-related injuries or illnesses. If you’re looking to purchase workers’ comp insurance, then you might be wondering what kind of injuries will be covered vs. which type of injuries are not covered. Enforce Coverage Group is here to answer all your workers’ comp insurance questions. We want to teach everyone about workers’ comp, so they can make an informed decision when it comes to purchasing a policy. In this blog, we will be answering important questions about workers’ comp insurance.

What injuries are not covered by workers’ comp insurance?

These are some general injuries that workers’ comp won’t cover. But keep in mind that each state has its own laws that determine what injuries a company needs to have covered on their policy. Your workers’ comp insurance doesn’t have to cover injuries sustained while intoxicated or injuries gained while committing a crime at work. Self-inflicted wounds are also not covered, depending on the regulations of your state. Also, injuries sustained while fighting at work don’t have to be insured.

What injuries are covered by workers’ comp insurance?

Other than the injuries mentioned above, workers’ comp insurance can cover every injury sustained at work. For example, if an employee steps on a nail or slips and falls, hurting their back, they can receive workers’ compensation.

It doesn’t matter who’s at fault. Even if the employee is at fault for the injury, they can still receive compensation. For example, if an employee cuts themselves while using a box cutter when they should be wearing protective gloves, the employee is still covered.

All of your employees are covered by workers’ compensation whether they are part-time, full-time, or employed in another fashion.

What is workers’ comp protecting?

Employee Protection

Workers’ compensation is government-mandated insurance that covers employee injuries. It protects workers from the financial and physical burdens of injury in exchange for their inability to sue employers.

Too often, employees are injured on the job or while performing duties as part of their work contract, which can bring steep medical bills and long periods without income due to missed shifts at work. This means lost time managing finances too! That’s where workers’ comp kicks into play. This system is designed by people who understand how difficult life can be when an unexpected accident occurs! 

Financial Protection

Workers’ compensation is a crucial part of any company’s financial structure. A typical workers’ comp policy will cover things like medical expenses and lost wages, which could potentially cost employers thousands of dollars for just one employee. That means that by putting a little money into an insurance policy every year, the company’s financial stability is protected.

Protecting from these huge costs is allowing companies to save in other areas. Overall, workers’ comp insurance helps lower the risk of a business going bankrupt from paying its employees’ medical bills.

Legal Protection

Workers’ comp is designed to protect employers in case their employees are injured on the job. Without a proper insurance policy in place, employees can sue their employers. When workers’ comp is in place, employees don’t have the right to sue their employers for injuries sustained on the job. Insurance policies ensure that businesses are not harmed from employee mistreatment or taken advantage of.

As you can see, workers’ compensation insurance isn’t just a nice thing to have- it’s necessary! Without workers’ compensation policies properly enforced, an employee could quickly bring down your company with one slip and fall.

Where can I get affordable coverage for my business?

Enforce Coverage Group specializes in finding the most affordable workers’ comp that will also protect your business at all costs! We want every employer to feel confident about purchasing a policy; that’s why our team of experts is ready to help you make the right choice.

Our team of experts will work tirelessly with you to ensure every aspect of your coverage policy is up-to-date and in compliance with all state laws. What type of insurance can Enforce Coverage Group provide? Click here to find out!

The post Workers’ Comp Insurance: What Is Covered? appeared first on Enforce Coverage Group.

[enforcecoveragegroup]

Get The Top Workers’ Comp Insurance In New York

As an employer, you need to understand workers’ compensation laws in your state. Understanding these various laws and policies ensures a safer work environment for your employees and your business.

What Is Workers’ Comp Insurance?

Workers’ compensation insurance is a financial safety net for businesses and their employees. Workers’ comp is designed to provide benefits for employees who are injured on the job. These benefits include medical expenses, lost wages, rehabilitation costs, and death benefits. Workers’ comp insurance will protect your employees whether they are physically injured or become sick from their working environment. Workers’ comp insurance helps businesses protect themselves from liability lawsuits.

To maintain a safe work environment, most states require employers to have workers’ compensation insurance. If there is an injury on the job, your workers’ compensation insurance policy will cover any employee’s medical attention or loss of income resulting from it.

Workers’ Compensation In New York

New York business owners are required to have workers’ comp insurance for every employee. Employers have to carry workers’ comp insurance for:

Day laborers

Leased or borrowed employees

Part-time employees

Unpaid volunteers (including family members)

Full-time employees

Some subcontractors

Certain independent contractors

Self-employed with employees

Once an employee is injured, they must seek treatment from a healthcare provider authorized by the Workers’ Compensation Board (WCB). The exception is in an emergency situation. Once you, the employer, become aware of an injury, you will need to communicate with your insurer throughout the claim process. Remember, as an employer, it’s your job to document the claim process properly.

What Does Workers’ Comp Insurance Cover?

Workers’ compensation insurance provides benefits for employees injured on the job even if the employee is at fault for the injury. For example, an employee may try to move a piece of furniture that requires two people to move it and damage their back. Even though the employee chose not to follow the proper procedure, they can still file a claim. Moreover, it doesn’t matter who’s at fault – injured employees can still receive benefits!

Injuries Not Covered

Injuries sustained while intoxicated at work

Wounds received while committing a crime at work

Self-inflicted injuries

Injuries received while fighting during work hours

Injuries sustained while breaking company policy

Depending on what state you’re operating in, some of these situations won’t be covered by workers’ comp insurance. As a result, state law determines what injuries your workers’ comp has to cover.

New York Workers’ Comp Benefits

Medical coverage that pays for everything from doctor visits to prescription medications

Benefits that provide for employees lost wages if they are out of work more than a week

Vocational rehabilitation is provided for employees who can’t return to their prior position

Death benefits for the employees nuclear family

Injured or ill employees will receive the above benefits based on their employers’ insurance policy. Employers and employees can work with peace of mind when the right workers’ comp insurance is in place. 

Custom Insurance Packages

Enforce Coverage Group is here to help local New York businesses get the coverage they need. In addition, our team is ready to provide a custom insurance policy for any business. Enforce provides:

General Liability

Workers’ Compensation

Commercial Auto Insurance

Professional Liability

Property Insurance

Life and Health Insurance

The good news for you and your business is that we have the expertise necessary to help sort through all of the complexities of workers’ comp insurance. In other words, we understand that it can be hard to find coverage that will work with all your business operations. Allow our team to match your business with the best-suited coverage. If you want to learn more, click here!

The post Get The Top Workers’ Comp Insurance In New York appeared first on Enforce Coverage Group.

[enforcecoveragegroup]

Protecting Plumbers From Injury – The Best Workers’ Comp Insurance

We all know that plumbing is not an easy job and that sometimes it can even be dangerous. Not only can it be stressful, but it can be taxing on the body. Unfortunately, protecting against these things can be difficult because they are out of your control – but what you do have control over is protecting yourself from liability with workers’ comp insurance!

Workers’ comp insurance protects against workplace injuries and occupational illnesses. That’s why all plumbing businesses need to have the best insurance available!

What type of insurance should a plumber have?

General liability

This insurance is a must-have for any business owner looking to protect their assets. General liability protects your company against claims related to bodily injury or property damage lawsuits. Please take into consideration that injuries are never identical, so they all need individual consideration. 

Commercial property

If you’re a company with physical assets, commercial property insurance is something to consider. It’ll protect your business from fires and theft as well as more rare occurrences like storms or burst pipes. However, this type of policy won’t cover earthquakes and floods unless it’s specifically added on.

Commercial auto

If you are the owner of a company vehicle, commercial auto insurance is an important consideration. It covers not only damage to your car but also injury that may result from accidents. Some types of auto coverage can be optional, but other types are mandated by state law. Check out what your state requires before deciding on how much or which type of auto insurance you’ll need!

Workers’ comp liability

Workers’ comp insurance protects your business when an employee gets hurt while on the job or gets sick from an occupational cause. In addition, this insurance protects business owners from potential problems when it comes to injury claims.

How much is insurance for a plumbing company?

There is no definite answer to this question because every company has its own specific insurance needs. For example, one plumbing business may only need general liability while another plumbing business may need general liability and commercial auto insurance.

Other factors to consider are what plumbing services your business offers. A different code classifies each operation. Therefore, depending on what operations your business performs decides what kind of insurance package you will receive.

Enforce Coverage Group

If you’re a plumbing contractor, it pays to have the right workers’ comp insurance. But with so many different options available and no easy way to compare them all at once, step one is figuring out what coverage your business needs. We can help! Give us a call today to learn more about how we make sure contractors in New York are protected from liability when they get hurt on the job. It’s never too late for peace of mind–or better yet, two minutes spent browsing our website might save you hours of frustration later on down the road.

Let Enforce Coverage Group know how we can help your business save and get insured! Contact us by clicking here!

The post Protecting Plumbers From Injury – The Best Workers’ Comp Insurance appeared first on Enforce Coverage Group.

[enforcecoveragegroup]

2 Simple Questions Answered for NY Masonry Contractors

Enforce Coverage Group offers insurance services designed specifically for masonry contractors or brick masons in the NY area! We offer coverage for many different types of work, so you can feel free to do your job without worrying about any accidents happening during the process.

If you’re looking to protect your brick masonry business from any potential damages that could happen while working on jobs, Enforce Coverage Group should be your first stop! We offer a variety of different policies designed to cover everything.

1. What is workers’ comp insurance coverage for masonry contractors, and how does it work?

Workers’ compensation insurance for masonry construction can fall under a lot of different categories. For instance, maybe your business needs general liability coverage, or maybe your business needs professional liability and commercial auto insurance. Enforce Coverage Group can provide them all.

Your masonry business may need multiple types of coverage to protect your employees in all areas. Workers’ comp insurance for masonry construction covers your employees if they are injured during any part of their job.

The proper insurance covers everything from cutting off a finger to slipping and falling. The coverage could help provide the injured employee with financial assistance while they recover. Good insurance would take care of lost wages and medical bills depending on the workers’ comp insurance.

The goal behind these policies isn’t to pay for the injury but to ensure employees are well cared for during any time they cannot work. Workers’ compensation insurance involves finding the best classification codes to place your business’s operations under.

Class Code 5022

Class code 5022 identifies specific work done by masonry construction. This code involves operations that have anything to do with laying bricks. Tuckpointing and exterior building caulking also fall under this class code. Any brick cleaning and work to do with stucco or plaster are classified under 5022.

What Does NOC Mean?

NOC is an acronym for Not Otherwise Classified. This acronym is used when a class code is non-specific. When you see NOC, it means your business is being generally described and classified. These class codes are typically considered high risk and can make insurance more expensive for a business.

2. Why should masonry contractors get workers’ compensation insurance in NY?

Masonry construction is one of the most exciting trades in construction. It involves manual labor and skill, with brick masons spending their days ensuring that every brick is in place. Unfortunately, there are a lot of risks involved as well.

Brick masons can injure themselves on dangerous tools or fall from heights when they’re working to build tall structures. Bricklayers also need to be careful about breathing in dust particles that could cause serious lung problems over time.

You may not realize this, but you can be liable for your employee’s injuries if you don’t have adequate coverage. If you have a good workers’ comp plan, your business will be protected and can focus on hiring the best employees to provide quality work. Masonry contractors can get coverage for injury and property damage as well, so they won’t be liable if something goes wrong on the job.

It is also illegal not to provide workers’ compensation insurance for your employees in the state of New York. So check out Enforce Coverage Group because we can provide your business with custom coverage that will fit your business’s needs.

3. Why you need to contact Enforce Coverage Group!

Our crew at Enforce has many years in the industry. They are experts in providing coverage and helping businesses like yours find a competitive rate when it may be difficult due to high volume. We know that going thru all the classification codes is the best way to find the perfect coverage for your business.

Enforce Coverage Group doesn’t take any shortcuts when it comes to finding the coverage you need. Call us, and we will be happy to answer any questions you have and help your business get back on track with workers’ comp insurance.

Protect your business today! Send us an email at contactus@enforcecoverage.com or give us a call at (212) 947-4298.

  The post 2 Simple Questions Answered for NY Masonry Contractors appeared first on Enforce Coverage Group.

[enforcecoveragegroup]

How to Find the Best Workers Comp Insurance Rates in NYC

Finding the best workers comp insurance rates in New York City can be a challenging task.

Regardless of your state’s requirements, there are many different prices on workers comp insurance that you can choose from.

Enforce Coverage Group is here to help you find the best workers compensation insurance for your business. We’ll work with you every step of the way, and we won’t stop until you’re 100% satisfied with your policy. If you don’t like our prices or anything else, we will do whatever it takes to make things work. There’s no better way to insure yourself against injury on the job than getting quality coverage from us!

What is workers compensation insurance?

Workers compensation insurance provides benefits to employees for work-related injuries and illnesses. The purpose of the coverage is to provide a financial safety net for workers who become disabled from occupational diseases or accidents on the job. By providing temporary income replacement and medical coverage workers will be provided for until they can return to their jobs.

Why you need it

Injuries on the job are tough for any employee because it can be unclear how much time they will need off before coming back. They can cause many problems for employees and employers if proper arrangements are not made ahead of time. Workers compensation insurance helps provide security in these situations and provides legal protection from lawsuits that may arise based on injuries sustained at work or while traveling for business purposes.

How to find the best policy for your needs

Making sure you have the best workers compensation insurance policy for your business can be a daunting task. Questions like “what are my needs?” or “who should I work with?” may run through your head, but do not fear! We’re going to explore these things and more in this article to provide you with an easier process of finding out how to get coverage. 

First off, let’s go over what kind of plan is right for me? There are many factors involved here, including whether it will cover all on-the-job injuries or just some accidents such as car crashes, etc. if there is any family medical leave available, and much more. Enforce Coverage Group makes finding the perfect coverage right for your business easy. As workers compensation insurance specialists, Enforce knows how to find the custom coverage that will fit all your workers comp insurance needs. Enforce offers services for all of the following:

General Liability

Commercial Auto

Professional Liability

Property Insurance

Life & Health

The benefits of having a good policy in place

If you are a business, then workers comp insurance is important. Workers comp insurance protects the company and its employees in case of an accident on site or if someone gets injured while doing their job. The benefits for businesses with good worker’s compensation policies include legal protections, reduced liability costs, protection against lawsuits from employee injuries during work hours.

A great policy means companies can retain employees who are reliable because their livelihood is not at risk, as well as many other advantages that come with having the perfect policy in place. That’s why Enforce Coverage Group wants to help NYC businesses. Enforce wants to give employers and employees peace of mind as they go through their daily work activities and help businesses reap the benefits of having the perfect insurance policy in place!

Enforce Coverage Group makes finding the perfect policy easy!

A workers comp insurance policy is a must-have for any business. Whether you have one employee or 100, it’s important to be proactive and make sure that every member of your team has the coverage they need if an accident happens on their watch. But with so many companies out there offering these types of policies, how do you know which one will provide everything you need without breaking the bank? 

One option would be to contact us today to get a quote from our experts who can help guide you through selecting the best possible policy for your company. And don’t forget about all of the great benefits! With complete protection against medical expenses, lost wages due to injury, and more, we’ll show you why having good coverage is crucial and why Enforce makes it so easy!

Protects your company from costly lawsuits

Easy to navigate website that’s user-friendly for you and your employees

The customer is always 1st priority, which means we’ll listen to what YOU need

Lowest rates available without sacrificing coverage or service

Enforce Coverage Group offers competitive rates on complete coverage policies for businesses large or small; click here to get the best workers comp insurance rates today! https://www.enforcecoveragegroup.com/

The post How to Find the Best Workers Comp Insurance Rates in NYC appeared first on Enforce Coverage Group.

[enforcecoveragegroup]

Hello world!

Welcome to WordPress. This is your first post. Edit or delete it, then start writing!

[enforcecoveragegroup]

Hello world!

Welcome to WordPress. This is your first post. Edit or delete it, then start writing!

[enforcecoveragegroup]

Hello world!

Welcome to WordPress. This is your first post. Edit or delete it, then start writing!

[enforcecoveragegroup]

How to Save Money on New York Workers Compensation Insurance

How much money do you want to save on New York workers compensation insurance? That is the question many businesses are asking themselves when they are trying to decide what insurance company policy to get. If your answer is “a lot,” then you should definitely read on.

Many businesses spend time looking for an affordable NY workers comp plan and fail to consider how their coverage will impact their bottom line. This is a huge mistake. Below you’ll find 3 steps to help reduce costs on your workers’ comp insurance so that you can make even more money!

How to Reduce Workers Comp Insurance Cost

Reducing business insurance costs is a primary concern for many NY business owners.

Every dollar cut from insurance premiums translates into a $25 increase in your profit. This is why you need to do everything possible to find the cheapest workers’ compensation insurance plan for your company.

Cutting worker’s comp insurance expenses may seem like an elusive concept, but it is actually fairly simple to do. The steps below will help you find the best New York workers compensation insurance plan for your company so you can save money and boost profits.

Step 1: Find Out About Coverage Types

Find out what type of coverage in NY provides the most savings potential based on your business size. Working with an agent who has expertise and experience in this field will help make this process easier.

Step 2: Review your coverage

Check coverage to see if any changes can be made that will reduce the cost of workers comp insurance. Many companies don’t understand how to reduce their insurance costs or they have an outdated policy that can be changed to save money. Some companies are misclassified with the wrong class codes for their industry type, which can lead to a higher cost for the wrong type of coverage.

Step 3: Compare insurance carriers

Review what different insurance companies provide. Find out the best rates with the carriers as well as coverage amounts for your company.

Knowing how much workers comp you need is just one part of this equation – what type of coverage in NY provides the most savings potential based on your business size? Next, assess whether you are getting all the discounts available by asking specific questions and looking at what is necessary to get a discount.

Questions to ask:

What industry classification am I in?

Is my business properly classified?

How many people work for me?

Am I self-insured?

How much savings are you offering if my business hires a safety coordinator or has an onsite nurse?

What is the average discount for companies that provide their own worker’s compensation insurance coverage, and what is your minimum deductible requirement?

Working with expert workers’ compensation insurance agents can help you find the right combination of savings and coverage for your business.

The most important thing is to start getting quotes from different companies, so you can explore all your options when it comes to New York workers’ compensation insurance rates. Call Enforce Coverage Group today to get started.

The post How to Save Money on New York Workers Compensation Insurance appeared first on Enforce Coverage Group.

[enforcecoveragegroup]

Workers’ Comp Insurance Rates For Excavation Contractors Code 6217 

Workers’ Comp Insurance Rates For Excavation Contractors Code 6217

Workers’ Comp class code 6217: Who Does It Apply To?

Click Here For New Rates or Call Us at 212-947-4298

Workers’ Comp class code 6217 is assigned to specialist contractors who are engaged in general excavation. This includes ditch-digging, burrowing, filling, or backfilling, as long as these operations are not otherwise classified in the NY Workers’ Comp manual. Employers who are included under NY Workers’ Comp class code 6217 remove earth, small boulders, and rocks by power shovels, trench diggers, or bulldozers and piling it at the job site for backfill. The material can also be removed by dump trucks.

Workers’ Comp class code 6217 includes excavation done in connection with building foundations, swimming pools, landscape gardening and waterproofing operations. It does not include excavation done in connection with street or road construction, damn or lock construction, pile driving, shaft sinking, caisson or cofferdam work. Tree removal contractors who use mechanical equipment are also included under  Workers’ Comp class code 6217. These tree removal operations involve the removal of one or a few trees on developed sites, not tree removal operations involving large numbers of trees in order to clear a right-of-way. Tree removal involving the clearing of right-of-ways is classified to code 2702, and tree removal performed by a risk also engaged in tree surgeon activities is classified to code 0106. NY Workers’ Comp class code 6217 only applies to insureds engaged in excavation work that cannot otherwise be classified.

NY Workers’ Comp class code 6217 Rate Update

Enforce Coverage can help you find the most competitive quote for your Workers’ Comp policy. For information regarding rates for NY Workers’ Comp class code 6217 as well as many others, contact us today.

The post Workers’ Comp Insurance Rates For Excavation Contractors Code 6217  appeared first on Enforce Coverage Group.

[enforcecoveragegroup]

Workers’ Comp Insurance Rates For Street Cleaning Contractors Code 9402

Workers’ Comp Insurance Rates For Street Cleaning Contractors Code 9402

  Call Us At 212-947-4298 Or Click Here For Your Rate

Workers’ Comp class code 9402: Who Does It Apply To?

NY Workers’ Comp class code 9402 is applied to specialty contractors or municipality employees who are engaged in street cleaning. The cleaning may be performed either manually or mechanically. This may include mechanical sweepers that direct a spray onto street surfaces and rotary brooms that sweep dirt and other debris into storage bins. Streets may also be cleaned using water sprinkling trucks, in which the water carries the dirt to the curb and the water and dirt drains into sewers. Workers’ Comp class code 9402 also applies to insureds who clean mainline sewers and storm sewers where debris from the street is likely to accumulate.

Workers’ Comp class code 9402 applies to insureds who clear snow from public or private parking lots, streets or roads. Other operations that are included under NY Workers’ Comp class code 9402 include the power sweeping of parking lots, beach or shoreline cleaning, and cesspool or septic tank cleaning. Insureds that rent, deliver, install and service portable toilets are also included under NY Workers’ Comp class code 9402. The outdoor spraying for insect control that does not take place at farms or irrigation systems applies to NY Workers’ Comp class code 9402. If the spraying takes place on farms or irrigation systems, they are included under class code 0050. Aerial application of insecticides is included under class code 7420.

NY Workers’ Comp class code 9402 Rate Update

Enforce Coverage can help you find the best Workers’ Comp policy for your insurance needs. Call Us at 212-947-4298 today for a competitive quote. We specialize in Workers Comp Insurance in Connecticut, New Jersey, Pennsylvania, and New York.

The post Workers’ Comp Insurance Rates For Street Cleaning Contractors Code 9402 appeared first on Enforce Coverage Group.

[enforcecoveragegroup]

Workers’ Comp Insurance For Oil and Gas Distribution Rate 8350 Cost 8350 Update

Workers’ Comp Insurance For Oil and Gas Distribution Rate 8350

In general, the rates for NYS gasoline and oil sales and distribution have increased significantly in recent years.

Click Here For New Rates or call us at 212-947-4298.

Workers’ Comp class code 8350: Who Does It Apply To?

NY Workers’ Comp class code 8350 applies to insureds engaged in gasoline and oil sales and distribution. They receive various grades of refined gasoline and oil, which are pumped into storage tanks. They then distribute the product directly to retail filling stations as well as factories, apartment houses, office buildings, and private residences. NY Workers’ Comp class code 8350 is also applied to insureds who fuel oil dealers who incidentally handle and sell coal as long as this is not a substantial part of their total operations.

Oil or gasoline dealers who incidentally engage in spreading oil on roads are also included under NY Workers’ Comp class dode 8350. However, If sand or gravel is spread in conjunction with the oil, class code 5506 applies. NY Workers’ Comp class code 8350 also applies to dealers who distribute liquified petroleum gas by means other than mains or pipelines. It includes all employees of this operation, including store employees, drivers, installers, service and repairmen. In these operations, liquified petroleum gas is unloaded, stored, filled into bottled gas cylinders or tank trops and then delivered to customers. Bottled gas dealers who do not perform the filling are also included under NY Workers’ Comp class code 8350.

NY Workers’ Comp class code 8350 Rate Update

The rate for NY Workers’ Comp class code 8350 has been updated. Contact us at 212-947-4298 for new policy pricing and coverage.

The post Workers’ Comp Insurance For Oil and Gas Distribution Rate 8350 Cost 8350 Update appeared first on Enforce Coverage Group.

[enforcecoveragegroup]

NY Workers’ Comp Manufacturing Class Code Rates Increase

Workers’ Comp Insurance For Manufacturing Class Code 1860 Ratee Update for 2021

We have updated the rates for Class code 1860. Click Here 

Workers’ Comp Manufacturing Class Codes: Which Are Affected?

Multiple NY Workers’ Comp Manufacturing class code rates have increased.

This class code is applied to insureds engaged in the compounding, molding, and finishing operations required to fabricate or manufacture the finished abrasive wheel.

For Workers’ Comp manufacturing class code 1860, Abrasive Paper or Cloth Preparation New Insurance Rates Call Us at 212-947-4298.

This class code is applied to insureds engaged in the manufacturing of abrasive paper or cloth commonly known as sandpaper or emery cloth in the form of belts, sheets, rolls or special shapes.

NY Workers’ Comp Manufacturing Class Code Rates

Enforce Coverage can help you find the most cost-effective policy that fits your individual Workers’ Comp needs. Call us today at 212-947-4298 for a competitive quote.

The post NY Workers’ Comp Manufacturing Class Code Rates Increase appeared first on Enforce Coverage Group.

[enforcecoveragegroup]

Workers’ Comp Rates for Metal Fencing Contractors Code 6400:

Workers’ Comp Rates For Metal Fencing Contractors Class Code 6400

The rate for Workers’ Comp class code 6400 (metal fence erection) has decreased 20.8% since 2011. In general, the already high rates for NYS contractors have increased significantly in recent years, so the decrease will help with Workers’ Comp costs for metal fence erectors.

NY Workers’ Comp Class Code 6400: Who Does It Apply To?

Get Your Rates For Fence Contractors 

NY Workers’ Comp class code 6400 is applied to specialist contractors who are engaged in the erection of all types of metal fences. This includes chain link, woven wire, wrought iron, or barbed wire fences. NY Workers’ Comp class code 6400 includes the erection of right-of-way fences which may have wooden or concrete posts with metal stringers. The fencing may be erected on a temporary or permanent basis. NY Workers’ Comp class code 6400 only applies to contractors who install or repair fences by hand.

NY Workers’ Comp class code 6400 does not apply to the erection of concrete fences that require a crane, hoist, or backhoe to install. Similarly, the erection of highway guardrails does not apply to NY Workers’ Comp class code 6400.

NY Workers’ Comp Class Code 6400

Enforce Coverage can help you find the best carrier to fit your Workers’ Comp needs. Contact us today at 212-947-4298 for a competitive quote.

The post Workers’ Comp Rates for Metal Fencing Contractors Code 6400: appeared first on Enforce Coverage Group.

[enforcecoveragegroup]

Workers’ Comp Class Code 4410 Rate

Workers’ Comp Class Code Rate 4410 For Rubber Manufacturing

Workers’ Comp class code 4410: Who Does It Apply To?

Get Your Rate Here

NY Workers’ Comp class code 4410 applies to insureds engaged in the manufacturing of natural or synthetic rubber products which are not otherwise classified in the Basic Manual. This includes hard, soft, or liquor rubber. The operations covered under NY Workers’ Comp class code 4410 may involve a wide variety of processes including both hand and mechanical applications.

Workers’ Comp class code 4410 also applies to insureds that produce latex compounds and synthetic or natural liquid rubber latex and rubber goods. These goods include floor tiles, mats, hoses, belts, rubber heels and soles, rubber bands, foam rubber carpet pads, foam rubber cushions, and latex rubber gloves, among others. Rubber or plastic plating or coating of fabrics, metal vessels, containers and pipes is also included under NY Workers’ Comp class code 4410, as long as the work is performed by an insured whose business is that of rubber plating or coating. Similar operations that are not included under NY Workers’ Comp class code are rubber stamp manufacturing or assembly (class code 4299), rubber tire manufacturing (class code 4420), and synthetic rubber manufacturing (class code 4751).

NY Workers’ Comp Insurance 4410 Rate

Enforce Coverage can help you find the right carrier to fit your individual needs. Contact us today at 212-947-4298 for a competitive quote and to learn about our hands-on policy services.

The post Workers’ Comp Class Code 4410 Rate appeared first on Enforce Coverage Group.