What is an injury to employee Exclusion?

And how does it affect New York contractors?   Good question, Here in New York many trade or self performing contractors run into insurance issues regarding this exclusion.   In short, Injury to employee exclusions restrict or eliminate liability coverage for any sort...

6 Tips to Better Manage your NYSIF Policy and avoid Audit Surprises

We’ve covered previously how working with NYSIF is sort of a must for New York contractors. Because of that, I wanted to give everyone some help and tips to manage that relationship and keep everyone happy.   With these tips you will be able to make the best of a less...
Is NYSIF my only option for New York workers compensation?

Is NYSIF my only option for New York workers compensation?

Sadly in New York the largest Workers Compensation provider for contractors is the New York State Insurance Fund aka NYSIF. NYSIF has earned a reputation for being extremely tough on contractors. Some contractors even feel that NYSIF is out to get them or...