Certificates of insurance

What is a certificate of insurance and what can it do? A certificate of insurance is a document that summarizes the terms, conditions and duration of an insurance contract, but it is not the contract itself. The certificate shows what type of insurance is in place at the time it is requested. It does not… Read more »

New York State Construction Industry Fair Play Act

Treatment of Independent Contractors in the Construction Industry Effective 10/26/2010, NY has clarified the way that they view subcontractors in the construction industry. The new law states that you are considered an employee unless: You are free from direction and control in performing your job AND You perform work that is not part of the… Read more »

Are your holiday gifts covered?

My house is filled with expensive gifts waiting to be opened. If my home is burglarized, damaged or destroyed, are all these gifts covered under my homeowners policy? Not necessarily. There may be limitations on the amount of insurance provided by your homeowners policy, especially for expensive gifts such as personal computers, silverware, stamp or… Read more »

Attention contractors:

Worker safety and health do affect your insurance premiums As a contractor, you know that to be insured, you are required to comply with the U.S. Department of Labor, Division of Occupational Safety and Health Administration regulations. Insurance carriers know OSHA regulations reduce worker injuries and illnesses, thus reducing their liability and improving their bottom… Read more »

Farm Family Snow Plow Contractor’s Seminar

“The Slippery Slope of Liability” Come join us Tuesday, October 26 while we discuss what you, the contractor, can do to protect yourself with loss control ideas and contract language as you prepare for the snow plowing season. All are welcome! Refreshments will be provided. You can reserve your spot by calling Bill Burke at (518) 431-5555, or… Read more »

Insurance Tips for Snow Plow Operators

Contract Language We are approaching that time of year when professional snow-plow operators begin entering into contracts with property owners for the coming snow season. To help limit the potential for lawsuits and your liability, here are some tips: Preferably no “Additional Insured” status should be granted to owners and no “Indemnification” clauses should be… Read more »

Understanding the Employer-Employee Relationship

How can you distinguish between an employee and an independent contractor? Understanding the difference is essential to running a successful business. Check out the guidelines set forth by the New York State Department of Labor: The Employer-Employee Relationship.