NY Workers Comp Rates for Class Code 8021: Meat, Fish, Poultry Wholesalers

When it comes to workers comp insurance for meat wholesalers, business owners have a variety of options to consider. As with other business insurance lines, it is important to review current coverage and rates to ensure that the company has the best coverage and most competitive pricing available.

Our Workers Comp Guide for Meat, Fish & Poultry Wholesale provides an overview of class code considerations and what potential policies should cover wholesale operations for meat purveyors. For workers comp rates for class code 8021, please also see our rate guide.

Since rates and programs may differ from year to year, businesses will benefit from a yearly review of their existing policies. Call Enforce Coverage Group for free policy evaluation and rate check (212) 947-4298. We offer coverage in New York, New Jersey, Connecticut, and Pennsylvania.

This post was originally published on July 21, 2011, and updated on May 29, 2020.

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NY Workers Comp Rates for Class Code 8021: Meat and Meat Product Merchant Wholesalers

Suggested ISO General Liability Code: 15223
Suggested Workers Compensation Code: 8021

Description of operations: Meat wholesalers receive fresh, frozen, pre-packaged, and canned meat and meat items from foreign or domestic farms, slaughterhouses, or food processors, usually by truck, for distribution to grocery stores, restaurants, concession stands, and other retail establishments. The distribution center may be open 24 hours a day. Generally, the product is delivered to the customer on the distributor’s vehicles.

What Is the Best Meat Wholesalers Insurance Coverage?

1) Property exposure is high due to multiple sources of ignition, open construction, and the combustibility and damageability of meat products and packaging materials. Ignition sources include electrical wiring and equipment, refrigeration units, and heating and air conditioning systems. All wiring must be well maintained and up to code for the occupancy. Meat products are particularly vulnerable to damage by smoke, heat, fire, or water and have very little salvage value. Even a small loss can cause all stock to be condemned by the FDA due to possible contamination. All goods should be palletized or shelved. Aisle space must be adequate for firefighting. The age, condition, and maintenance of coolers and refrigeration equipment are important to review. Ammonia leaks could cause an explosion. There should be detection systems, emergency shut-off valves, and exhaust systems to allow venting in the case of a leak. Ammonia pipes should run outside the building to prevent accidental collision with forklifts inside the building and have impact barriers around them to prevent contact with vehicles. Alarms should be in place to warn of power outage or shutdown. Backup generators should be available in case of equipment failure. Good housekeeping and fire controls are critical. Smoking should be prohibited. If there is a sprinkler system, heads must be located high enough to avoid accidental contact with forklifts. Recharging of forklifts and maintenance of vehicles should be done in a separate, ventilated area away from combustibles. Meat and seafood may be a target for thieves. Appropriate security controls must be taken, including physical barriers to prevent entrance to the premises after hours and an alarm system that reports directly to a central station or the police department.

2) Business income and extra expense exposures are high. Recovering from a loss could require a lengthy time to rebuild the facility and purchase replacement refrigeration equipment.

3) Equipment breakdown exposures are high as temperatures must remain constant. All refrigeration equipment must be inspected and maintained on a regular basis. Back-up generators should be available. Additional coverage for spoilage and ammonia contamination should be considered as even a small power interruption could result in a large loss.

4) Inland marine exposure is from accounts receivable if the distributor offers credit to customers, computers for tracking inventory, contractors’ equipment, goods in transit, and valuable papers and records for suppliers’ and customers’ information. Duplicates must be kept of all data to permit easy replication in the event of a loss. Contractors’ equipment includes forklifts, cherry pickers, and hand trucks used for moving stored items. While goods may come to the warehouse via contract or common carriers or trains, goods are generally delivered to retailers on trucks owned by the distributor. Goods in transit are subject to spoilage loss from the breakdown of refrigeration equipment or damage from collision or overturn. There will be very little salvage following any transit incident due to the possibility of contamination. Due to the potential for theft, vehicles should be unmarked, have alarms, and be attended at all times. Sales representatives may carry sample stock to retailers.

5) Crime exposure is from employee dishonesty. Background checks, including criminal history, should be performed on all employees handling money. Warehouse operations involve a number of transactions and accounts that can be manipulated if duties are not separated. There must be a separation of duties between persons handling deposits and disbursements and reconciling bank statements. Regular audits, both internal and external, are important in order to prevent employee theft of accounts. Good security systems should be in place to discourage employee theft. Physical inventories should be conducted at least annually.

6) Premises liability exposure is generally limited due to the lack of public access to the storage facilities. Customers should be confined to specific areas that are kept clean, dry, and free of obstacles. If customers pick up goods, loading docks must be clearly marked and user-friendly. Parking lots and sidewalks need to be in good repair with snow and ice removed, and generally level and free of exposure to slips and falls. There should be a disaster plan in place for unexpected emergencies. Contracts with transportation and storage providers may expose the operation to additional liability. Railroad sidetrack agreements pose additional concerns. If there is a railroad sidetrack or dock, an employee must verify that no one is in the path of an incoming or outgoing train. Railroad tracks and conveyors can be attractive nuisances. The premises should be enclosed by fencing with “No Trespassing” signs posted.

7) Product exposures are moderate to high because meat products are particularly vulnerable to contamination and spoilage. Monitoring the quality of food received, posting lists of ingredients, and maintaining proper storage temperature can reduce this exposure. Accurate records must be kept of products and batches to monitor for recalls. There should be controls in place to prevent all types of contamination from chemicals used inside the facility, such as insecticides and pesticides Stock should be regularly rotated so older, but not out of date, the stock is sold first, and out of date stock is removed and discarded.

8) Environmental impairment exposure can be high due to the potential for air, land, or water pollution from the leakage of ammonia and other refrigerants and fuel tanks used to service vehicles. All tanks and pipes should be routinely tested for leakage. Spill procedures must be in place to prevent the accidental discharge of contaminants. Contracts should be in place to dispose of all environmentally dangerous chemicals. Record keeping is critical.

9) Automobile exposure is moderate for the salespersons’ fleet and delivery vehicles. There should be written policies on personal and permissive use of any vehicles furnished to employees. All drivers must be well trained and have valid licenses for the type of vehicle being driven. MVRs must be run on a regular basis. Random drug and alcohol testing should be conducted. Vehicles must be well maintained, including refrigeration systems, with records kept in central locations.

10) Workers compensation exposure is very high. Back injuries, hernias, sprains, and strains can result from lifting. Workers should be trained in proper lifting techniques and have conveyances available. Shelving must be stable to prevent stored goods from falling onto workers. Continual standing can result in musculoskeletal disorders of the back, legs, or feet. Floor coverings or coatings may be slick and pose slip and fall hazards. Forklift operators must be properly trained. Leaking ammonia is a serious health hazard that can lead to lung damage or even death. Protective breathing equipment must be available to all workers in the event of an ammonia leak. Housekeeping is critical. To avoid frostbite and hypothermia resulting from exposure to sub-zero temperatures, the length of time spent in refrigerated areas must be limited, and protective clothing required. Employees can pick up diseases from handling raw meat and seafood. Maintaining cleanliness throughout the facility is critical. When work is done on computers, employees are exposed to eyestrain, neck strain, and repetitive motion injuries including carpal tunnel syndrome. Cleaning workers can develop respiratory ailments or contact dermatitis from working with chemicals. Drivers of delivery vehicles may be confronted by robbers, injured in automobile accidents, or be injured at customers’ premises. Training must be provided on dealing with such situations, and any necessary security should be provided.

Workers Comp Rates for Class Code 8021

Definition: Code 8021 is used on NY Workers Compensation policies for Meat, fish, or poultry dealers involved in the wholesale distribution of fresh and cured meat, fish, or poultry. Some of these dealers perfom raw preparation such as cutting the meat, fish, or poultry into steaks, chops, roasts, fillets, or poultry parts for sale to stores, restaurants, supermarkets, and other retail markets.

Who Can Use it? Code 8021 applies to Wholesale Fish Dealers, Meat Dealers and distributors and Poultry Distributors, (Packing and Slaughter Houses cannot use this class code they use 2089)

Materials Involved: Some repackaging of the meat for distribution, Box trucks or Vans, Cold Storage, Under 500-mile distribution of the product

Who’s writing this coverage? Most private carriers as well as State insurance Fund Safety Groups. Businesses engaged in the NY Work Comp 8021 class of business should consider shopping for new rates for their policy every year. For more information on select Insurance products for Class 8012, definitions, and rates for this class, call us.

Minimum recommended coverage:
Business Personal Property, Business Income and Extra Expense, Equipment Breakdown, Accounts Receivable, Computers, Contractors’ Equipment, Goods in Transit, Valuable Papers and Records, Employee Dishonesty, General Liability, Employee Benefits, Environmental Impairment, Umbrella, Business Automobile Liability, and Physical Damage, Hired and Nonownership Auto, Workers Compensation.

Other coverages to consider:
Building, Earthquake, Flood, Leasehold Interest, Real Property Legal Liability, Spoilage, Salesperson’s Samples, Signs, Computer Fraud, Forgery, Money and Securities, Cyber liability, Employment-related Practices, Stop Gap Liability

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NY Workers’ Compensation Rates for Class Code 7219, Trucking and Transit

Trucking and Transit companies have a unique set of NY workers’ compensation class codes for their industry. This overview provides basic information about workers’ compensation rates for class code 7219 along with other factors that go into operations and potential exposures when insuring these operations.

This post was originally published on July 28, 2011, and updated on May 28, 2020.

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Trucking and Transit Workers Comp Categories:

SIC CODE: 4212 Local Trucking Without Storage
4213 Trucking, Except Local
4214 Local Trucking with Storage

NAICS CODE: 484110 General Freight Trucking, Local
484121 General Freight Trucking, Long-Distance, Truckload
484122 General Freight Trucking, Long-Distance, Less than Truckload
484220 Specialized Freight (except Used Goods), Local Trucking
484230 Specialized Freight (except Used Goods), Long-Distance Trucking

Suggested ISO General Liability Code: 99793
Suggested Workers Compensation Codes: 7219, 7228, 7229, 7230, 7231, 7232

NY Workers’ Compensation Rates for Class Code 7219
Description of Operations

Truckers transport cargo from its initial loading and pick up at the shipper’s location to final delivery and unloading at the receiver’s location. The cargo can include raw materials, work in process, and finished goods. The trucker may assist customers in the packing and unpacking of freight. Many trucking companies have warehouse facilities for both temporary and long-term storage of customers’ goods. While some truckers transport freight to the same destinations on a regular basis, others transport single shipments to a specific destination. Trucking may be limited to a geographic area, to domestic destinations, or internationally to Canada and Mexico. The trucking industry is regulated by a number of federal agencies.

Business Insurance for Truckers & Trucking Companies: Potential Exposures

Property Exposure may be limited to electrical, heating, and cooling systems for an office location. If the company repairs, refuels and maintains its own vehicles on-premises, there will be flammable liquids, including gasoline and diesel fuel, and heat-producing activities such as welding. Flammable liquids and heat-producing activities must be separated from combustibles to prevent fire and explosion. All spray-painting should be conducted in a spray booth with explosion-proof fixtures. Poor housekeeping is a serious fire hazard. Unless stored and disposed of properly, oily rags can spontaneously combust and cause a fire. The condition and controls of fuel tanks, whether above or below ground, are important for both property and environmental liability. Fire hazards can arise from the combustibility of items stored for customers. There must be adequate aisle space to allow firefighters to carry out their duties. When another party does the packing, the warehouse will not know the type of property being stored or its potential fire hazards. If the rack storage of crates and boxes is used, there should be sprinklers in the racks. The sprinkler heads must be located high enough to avoid accidental contact with forklifts, but with enough clear space from the racks to allow unobstructed operation in the event of a fire. In order to reduce catastrophic losses, firewalls and fire divisions should separate the storage areas. Good housekeeping and fire controls are critical. Smoking should be prohibited. Forklifts should be refueled in a separate, ventilated area away from combustibles. As stored items are attractive targets for theft, there should be appropriate security including physical barriers to prevent entrance to the premises after hours and an alarm system that reports directly to a central station or the police department.

Business income and extra expense exposures are high as replacement warehouse facilities may not be readily available.

Inland marine exposure is from accounts receivable for billings to customers, computers to track shipments, motor truck cargo for the goods carried for others, and valuable papers and records for licenses and other regulatory information. Customers’ property may be damaged while being transported due to overturn, collision, or theft. Cargo containers should have locks and appropriate alarm systems. Most truckers are subject to minimum cargo legal liability requirements. The bill of lading spells out the terms of the agreement that must be honored. Insurance coverage will vary but may exceed these minimums if customer satisfaction is important to the trucker. Any items being transported or in storage must be marked to prevent incorrect release. Records should be duplicated and be stored off-site. If goods are stored for customers, warehouse operators’ legal liability coverage is needed. Limits needed will depend on the contract between the facility and its customers, but should spell out who is responsible for damage to stored goods.

Crime exposure is from employee dishonesty and from money and securities. Background checks, including criminal history, should be performed on all employees handling money. Trucking operations involve a number of transactions and accounts that can be manipulated. There must be a separation of duties between persons handling deposits, billing, ordering, disbursements, and reconciling bank statements. Regular internal and external audits should be conducted. As drivers, loaders, and unloaders have access to customers’ premises, the exposure to theft of customer property or customer identity theft increases.

Premises liability exposure is extremely low due to limited public access. Cargo containers stored outside may present an attractive nuisance to minors. Fencing and lighting help reduce this exposure. Most off-premises exposures relate directly to truck operations, such as loading and unloading, and are covered under the motor carriers’ liability policy. Contracts may expose the operation to additional liability. The contract should spell out the responsibilities of each.

Environmental impairment exposure can be high due to the storage of fuel and the waste disposal of fluids used for servicing and repairing trucks. All tanks, underground or above, must meet state or federal regulations and be routinely tested for leakage. Spillage and leaking of pollutants into the air, ground, or water can result in high cleanup costs and fines. Spill procedures must be in place to prevent the accidental discharge of sludge from water reclamation systems used in washing trucks. Contracts should be in place to dispose of all environmentally dangerous chemicals. If there are underground storage tanks, a UST policy will be needed.

Automobile exposure is written on motor carriers’ policy. The exposure is very high because it includes loading, unloading, and transporting of freight. Customers and others can be injured should the movers drop or overturn items being carried. Children may be present during loading or unloading operations at residences or schools, requiring additional caution. All drivers must be well trained and attend continuing education courses to maintain and improve skill levels. They must have training in lifting and handling of items being carried and to safely operate trucks under all kinds of conditions, including adverse weather, construction impediments, darkness, and heavy traffic. They must have a valid commercial driver’s license (CDL) for the trucks being driven and the cargo being moved. MVRs must be acceptable and checked regularly. Manipulating a large semi-trailer rig in a residential or commercial area requires training and awareness of surroundings. Driving logs must be maintained, and drivers must not be permitted to exceed regulatory limits on their hours of service. Hands-free two-way communication and GPS systems should be installed on all trucks. Random drug and alcohol testing should be required. Vehicles must be maintained and records should be kept in a central location. Accidents can result in the spillage of diesel fuel or other operating fluids from within the truck, requiring cleanup.

Workers’ compensation exposure is moderate from driving, loading, and unloading customers’ goods, and repair and maintenance activities. Drivers generally work alone, often after dark, and must operate in adverse traffic conditions such as inclement weather or road construction. Ergonomically designed seats can reduce back and leg injuries to drivers who sit in the same position for hours at a time. They must be monitored to ensure that an appropriate amount of time is allocated for sleep. Loading and unloading can result in all forms of back injury, hernia, sprain, and strain losses. The training, material handling devices, and equipment are important to review. Drivers can be injured in collisions. Garage employees can be injured by vehicles falling from hoists, strains, sprains, and other lifting injuries. Good housekeeping is critical to reducing injury from slips, trips, and falls. Burns, eye injuries, and respiratory problems can occur with welding and painting. Dermatitis can result from employees coming into contact with harsh cleaning detergents. Repair areas should be properly ventilated. Proper safety equipment is required. If independent owner-operators are used, responsibility for workers’ compensation coverage must be specified by contract.

NY Workers’ Compensation Rates for Class Code 7219 Trucking – NOC

Truckers classified under 7219 received a rate increase of 13% in 2011 on their NY State Workers Comp policies. Subsequent coverage years since that time have seen both increases and decreases. Because rates potentially change each year, it’s important to stay up-to-date with the latest pricing. See our NY workers comp insurance rates for truckers here: https://www.enforcecoveragegroup.com/click-your-industry-for-access-to-immediate-rates/new-york-workers-comp-rates-trucking/.

Definition: Applied to Truck companies that haul general merchandise under contract for others.

Who Can Use it: In NY State,  Class Code 7219 is used by long and short-haul truckers that transport products, merchandise, automobiles, freight, and aggregate such as sand and gravel owned by others. Trucks can be tractor-trailers or dump trucks.  NY State Workers Compensation regulations define 7219 as an all-inclusive class code meaning everyone in the operation other than clerical and executives must fall under 7219. Several other specialty transportation companies may apply and you should call Enforce Coverage to determine if you are classed properly.

Pricing: The rate for class code 7219 has been on a steady climb for the last several years. Usually, in the 10-14 dollar rate category, it is one of the more expensive.  Truckers with a clean loss record and safety program can yield better than average rates.

Who’s Writing Workers Comp Coverage for Truckers: NY Workers’ Compensation Rates for Class Code 7219

Truckers who feel that the State fund is their only option should contact us today to discuss specialty programs and carriers

Minimum recommended coverage:

Building, Business Personal Property, Business Income, and Extra Expense, Accounts Receivables, Computers, Motor Truck Cargo, Valuable Papers and Records, Employee Dishonesty, Money and Securities, General Liability, Employee Benefits, Umbrella, Motor Carriers Liability, and Physical Damage, Hired and Nonownership Auto, Workers Compensation

Other coverages to consider:

Earthquake, Flood, Mobile Equipment, Signs, Warehouse Operators’ Legal Liability, Cyber liability, Employment-related Practices, Environmental Impairment, Underground Storage Tank, Stop Gap Liability, International Coverages

 

 

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Chiropractor Office Workers Compensation Rates & Coverage

There are numerous factors to consider when purchasing a workers’ compensation insurance policy for Chiropractor Offices (Class Code 8832). Enforce Coverage Group specializes in Workers Comp Insurance in the New York area including New Jersey, Connecticut, and Pennsylvania. If you are looking to buy a new policy, call Pat Ryder or Pat Scanlon at 212-947-4298.

Chiropractor Office Workers Compensation Rates & Coverage: Class Code 8832

Description of operations: Chiropractors treat neuromuscular medical conditions by manipulating the patient’s spine, either manually or with mechanical equipment. Chiropractic treatment is a form of alternative medicine that uses a holistic approach to managing a patient’s overall health by focusing on the musculoskeletal system. Corrections to problems in the muscles, joints, or bones can resolve many health issues. Straight chiropractic does not offer diagnostic services beyond spinal manipulation. Mixed chiropractic clinics add diagnosis and homeopathic products to their treatment options. Some patients view the chiropractor as a substitute for a primary care physician. Chiropractors are required to be licensed in each state.

Property exposure to fire and crime is very light. Ignition sources include electrical wiring, heating, and air conditioning systems, and overheating of equipment. All electrical wiring must be up to code and equipment properly maintained. Most property items are better covered with physicians and surgeons inland marine floater. The business income and extra expense exposure is very low as operations can be quickly resumed at an alternate location.

Crime exposure is from employee dishonesty of both money and inventory. The potential for theft, directly or by means of identity theft, is great. Background checks should be conducted on all employees handling money. All ordering, billing, and disbursement must be handled by separate individuals. Monitoring must be constant.

Inland marine exposure includes accounts receivable if the chiropractor bills for services, computers, physicians and surgeons equipment floater items (which can include all office furnishings), and valuable papers and records for patients’ information. Duplicates of all records and programs should be kept off-site.

Premises liability exposure is moderate due to patients’ access to the premises. To prevent slips, trips, or falls, all areas accessible to patients must be well maintained with floor covering in good condition. The number of exits must be sufficient, and be well marked, with backup lighting in case of power failure. Steps should have handrails, be illuminated, marked, and in good repair. Parking lots should be maintained free of ice and snow. Maintaining a patient’s privacy is critical. Examination rooms, check-in and checkout stations must be in private areas so one patient cannot view information or overhear conversations regarding another patient’s’ confidential information

Product liability exposure may include the sales of ointments, herbal treatments, and nutritional programs. If the chiropractor has developed his or her own products, the exposure increases to that of a manufacturer.

Professional exposures are high. The exposure increases if the provider fails to conduct thorough background checks to verify employees’ credentials, education, and licensing. The more types of procedures that are performed, the greater the chance of injuring a patient. Because electrical impulse machines are used in treatment, care must be made to prevent high dosage or over-usage. X-ray machines should be safeguarded to prevent overexposure to the client and others. While the straight chiropractor primarily handles spinal manipulation, the mixed chiropractor may become involved with diagnosis and unique treatments involving herbal remedies and other therapies. Investigations should be made into the types of treatments and other services offered. Finally, inappropriate touching and sexual misconduct must be considered.

Workers’ compensation exposure comes from contact with patients and from possible transmission of disease from a patient. Gloves and masks should be worn at all times when working around bodily fluids. Employees should have access to vaccinations to prevent diseases. Unruly or unpredictable patients can cause harm including strains, back injuries, and contusions. Because of the physical manipulation of the patient’s body, arm, and back injuries are common and the chiropractor can be accidentally struck by a patient. Training and safety equipment should be in place to prevent exposure to radiation when performing X-rays. Since patient information and billings are done on computers, potential injuries include eyestrain, neck strain, carpal tunnel syndrome, and similar cumulative trauma injuries that can be addressed through ergonomically designed workstations.

About Enforce Coverage Group Workers Compensation Insurance for Chiropractors

Enforce Coverage Group is located at One Pennsylvania Plaza in New York City with offices in Long Island NY and Fairfield County Connecticut. We provide chiropractor office workers compensation insurance and other business lines necessary to protect chiropractic businesses.

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Dental Office Workers Comp Insurance Coverage, Rates & Cost

The following information pertains to Class Code 8832, Workers Compensations Insurance For Dentists, and Dental Offices. If you are currently looking to buy a new policy and need a dental office workers comp insurance quote, call Pat Ryder or Pat Scanlon of Enforce Coverage Group at 212-947-4298.

Enforce Coverage Group specializes in workers comp and business insurance in New York, New Jersey, Pennsylvania, and Connecticut.

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Class Code 8832 Workers Comp Insurance Coverage Rates & Cost

Description of operations: Dentists are doctors who are educated and licensed to specialize in the diagnosis, treatment, and prevention of disease, injury, damage, or loss to teeth, gums, and the mouth. Dentists may treat poorly aligned teeth with braces or other devices. They may fill, remove, or replace missing, diseased, or damaged natural teeth with artificial fillings, crowns, bridges, dentures, or dental implants. Dentists may refer to some of these procedures to oral surgeons. Although it is becoming more common for crowns to be made in the dentist’s office, more extensive items such as bridges are molded and sent to dental laboratories for manufacture.

Property exposure is moderate due to the use of expensive diagnostic and dental equipment. Ignition sources include electrical wiring, heating, and air conditioning systems, and overheating of equipment. All electrical wiring must be up to code and equipment properly maintained. A small fire that produces smoke can cause considerable damage when sterile equipment and environments are compromised. Target items for theft include gases, pharmaceuticals, and gold used for fillings. These items should be inaccessible for unauthorized use and stored in a protected area after hours. Most property items are better covered on inland marine forms such as a computer form or a physician’s and surgeon’s floater. The business income and extra expense exposure can be minimized if the dentist has arranged for temporary facilities with another dentist.

Equipment breakdown exposures are high as operations are dependent on dental equipment being available. All equipment should be maintained on an ongoing basis

Crime exposure is from employee dishonesty of both money and inventory. The potential for theft, directly or by means of identity theft, is great. Background checks should be conducted on all employees handling money. Dentists keep gases, gold, and pharmaceuticals on the premises. Rigid controls must be maintained including inventory control and limited access to storage areas. All ordering, billing, and disbursement must be handled by separate individuals. Money and securities are a concern if payments are accepted on-premises. Deposits should be made regularly and money should not be kept on premises overnight.

Inland marine exposure includes accounts receivable if the dentist bills for services, computers, physicians and surgeons equipment floater (which can include all office furnishings), and valuable papers and records for patients’ and suppliers’ information. Accounts receivable coverage is needed if the dentist bills for services. Computers are used for patients’ records and other office purposes, but some dental equipment, such as video equipment and X-ray machines, is now also computerized. Physicians and surgeons equipment includes items that the dentist may take off site to handle emergencies. Duplicates of all records and programs should be kept off-site.

Premises liability exposure is moderate due to patients’ access to the premises. To prevent trips, slips, and falls, all areas accessible to patients must be well maintained with floor covering in good condition. The number of exits must be sufficient, and be well marked, with backup lighting in case of power failure. Steps should have handrails, be illuminated, marked, and in good repair. Parking lots should be maintained free of ice and snow. Housekeeping should be excellent and spills must be cleaned up promptly. Overhead equipment should be moved before patients exit dental chairs. Maintaining a patient’s privacy is critical. Examination rooms, check-in, and checkout stations must be in private areas so one patient cannot view information or overhear conversations regarding another patient’s’ confidential information.

Automobile exposure is generally limited to hired and nonownership liability for employees running errands. Dentists or other personnel may travel to client locations such as hospitals and nursing homes. If there are owned vehicles, all drivers should be licensed with acceptable MVRs. Vehicles must be maintained and records kept in a central location.

Workers’ compensation exposure is due to the possible transmission of disease from a patient. Gloves and masks should be worn at all times when working with the patient. Employees should have access to vaccinations to prevent diseases. Unruly or unpredictable patients can cause harm including strains, back injuries, and contusions. Dust caused by grinding and exposure to adhesives and other substances can result in occupational injury to eyes, lungs, or skin. Training and safety equipment should be in place to prevent exposure to radiation when performing X-rays. Since patient information and billings are done on computers, potential injuries include eyestrain, neck strain, carpal tunnel syndrome, and similar cumulative trauma injuries that can be addressed through ergonomically designed workstations.

About Enforce Coverage Group | Workers Comp Insurance Agents

For the best dental office workers comp insurance coverage, we are here to help. Enforce Coverage Group is located in NYC and One Penn Plaza with offices in Fairfield County Connecticut and Long Island NY.

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Medical Clinic Workers Compensation Insurance Code 8832 & 9040 Health Care Providers

Enforce Coverage specializes in workers’ compensation insurance. We have offices in NYC, NY at One Penn Plaza, Wilton CT, Fairfield County, and Huntington NY, Long Island. If you have a medical clinic and are a health care provider looking to buy a new policy, get a better rate, or just a quote, call us at (212) 947-4298.

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The information below provides a guide for health care providers and medical clinic workers comp insurance.

Medical Clinic Workers Comp Insurance Class Code 8832 & 9040

Description of operations: Medical clinics provide healthcare services on an outpatient basis. While originally formed to provide low-cost medical services to the poor and destitute and to provide a learning facility for medical students, they now provide the services one could normally obtain in a doctor’s office. Many clinics have become specialized treatment centers that provide a service or group of services in a particular field of medicine such as pediatrics or physical therapy. Other clinics are part of a Health Maintenance Organization (HMO) and provide medical treatment to group participants.

A clinic generally employs licensed primary care doctors who pre-screen patients according to their symptoms, prescribe medication for common ailments, and refer patients in need of more focused medical attention to specialists. Most doctors working in clinics refer patients to a hospital or other medical facility for laboratory tests, surgery, or post-operative care.

Property exposure is high due to the use of expensive diagnostic and medical equipment. Ignition sources include electrical wiring, heating, and air conditioning systems, and overheating of equipment. All electrical wiring must be up to code and equipment properly maintained. Excellent housekeeping is required and smoking should be prohibited.

A small fire, which produces smoke, can cause considerable damage when sterile equipment and environments are compromised. If pharmaceuticals are kept on-premises, theft is a concern. These items should be inaccessible for unauthorized use and stored in a protected area after hours. Most property items are better covered on inland marine forms such as a computer form or the physicians and surgeons floater. The business income and extra expense exposure can be minimized if the clinic has arranged for temporary facilities with another clinic.

Equipment breakdown exposures are high as operations are dependent on medical equipment being available. All equipment should be maintained on an ongoing basis.

Crime exposure comes from employee dishonesty of both money and inventory, particularly relating to drugs on-premises. The potential for theft, directly or by means of identity theft, is great. Background checks should be conducted on all employees with access to drugs or money. Since drugs are tempting and susceptible to theft, employee access must be restricted and carefully monitored. Ordering, billing, and disbursement transactions should be handled as separate duties. Inventories and audits should be performed regularly. Money and securities are a concern if payments are accepted on-premises. Deposits should be made regularly and money should not be kept on premises overnight

Inland marine exposures include accounts receivable if the clinic bills for services, computers, physicians and surgeons equipment floater (which can include all office furnishings), and valuable papers and records for patients’ and suppliers’ information. Computers are used for patients’ records and other office purposes, but most medical equipment, such as video equipment and X-ray machines, is also computerized. Physicians and surgeons’ equipment includes items that doctors may take off site to handle emergencies. A medical clinic will generally include sophisticated computer and medical equipment, especially if it specializes in a particular medical field. Duplicates should be made of all records and stored off-site.

Professional liability exposure is extensive as most clinics serve patients either who have no regular physician or whose regular physician is unavailable. Decisions are made based on limited background information with verification of medical history generally unavailable. The exposure increases if the provider fails to conduct thorough background checks to verify employees’ credentials, education, and licensing. Staff turnover is high in clinics, disrupting continuity inpatient care. Records must be well-documented and prior data obtained as much as possible. The prescreening questionnaire is vital.

Very serious losses may result from failure to secure patient approval before performing procedures, including vaccinations. Training and safety equipment should be in place to prevent exposure to radiation when performing X-rays. Needles and other equipment must be sterilized and sanitized to prevent the spread of blood-borne infectious diseases such as hepatitis, HIV, and AIDS. On-site surgery must be closely monitored, with an experienced trained individual administering and monitoring the use of the anesthetic. Finally, inappropriate touching and sexual misconduct must be considered.

Automobile exposure is generally limited to hired and nonownership liability for employees running errands. If there are owned vehicles, all drivers should be licensed with acceptable MVRs. Vehicle maintenance should be ongoing and documented in a central location.

Workers’ compensation exposure is due to the possible transmission of disease from a patient. Gloves and masks must be worn at all times when working around any bodily fluids. Unruly or unpredictable patients can cause harm including strains, back injuries, and contusions. Employees should have access to vaccinations to prevent diseases. Training and safety equipment should be in place to prevent exposure to radiation when performing X-rays. Because patient information and billings are done on computers, potential injuries include eyestrain, neck strain, carpal tunnel syndrome, and similar cumulative trauma injuries that can be addressed through ergonomically designed workstations. Workers who travel off-site may encounter difficult circumstances, especially when going into patients’ residences. Procedures should be in place to monitor off-site exposure and provide for emergency backup.

About Enforce Coverage Group Workers Compensation Insurance Brokers and Agents

We are located at 1 Penn Plaza and service businesses in New York State, New Jersey, Pennsylvania, and Connecticut.

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Petroleum Wholesalers Workers Comp Insurance Rate Guide for Class Code 8350

The following guide applies to businesses in petroleum wholesale distribution of Butane Gas, Crude Oil, Fuel Oil, Gas, Kerosene, and Lubricating Oils.

Enforce Coverage Group specializes in Workers Comp Insurance in Pennsylvania, New Jersey, New York, and Connecticut. If your business is in the market to purchase a new policy or just need a current rate or quote, call us at 212-947-4298.

Petroleum Wholesalers Workers Comp Insurance Rate Guide for Class Code 8350

Description of operations: Petroleum wholesalers receive petroleum products such as gasoline, diesel, fuel oil, and motor oil from refineries for distribution to retailers. The product may come by railroad tanker, car or truck, and can be delivered in bulk or packaged into containers. Bulk storage stations include tank fields with underground pipelines. The distribution center may be open 24 hours a day. Some wholesalers also own retail gasoline stations or convenience stores.

Property exposures – High. The gasoline distributor normally has extensive bulk storage. Gasoline emits highly flammable fumes that must be controlled to prevent explosions. While underground tanks are the least prone to explosion, many tanks are above ground for environmental reasons. Filling and dispensing fuel from the tanks can cause static electricity buildup that can lead to an explosion unless the tanks are properly bonded and grounded. Petroleum products in containers for sale are less volatile as long as the containers are kept sealed and the temperature-controlled. Leak detection systems should be in place for tanks and other containers. Greasy rags and equipment used to clean up spills could contribute to spontaneous combustion. There should be no smoking. Since electronic equipment and wiring can spark, it should be in conduit and maintained in excellent condition. Due to the high demand and cost of fuel, theft can be a problem. Alarms, guards, fencing and other security precautions must be in place as appropriate to the location.

Business Income, Extra Expense Exposure – High due to the lengthy time needed to rebuild the facility and install replacement tanks and equipment.

Crime Exposures are mainly from employee dishonesty. This operation involves a number of transactions and accounts that can be manipulated if duties are not separated. Background checks, including criminal history, should be performed on all employees handling money. Regular audits, both internal and external, are important in order to prevent employee theft of accounts. Most petroleum wholesalers use card lock systems for monitoring purposes and to eliminate the need for drivers to carry cash. Physical inventories should be conducted at least annually.

Inland marine exposures are from accounts receivable if the distributor offers credit to customers, computers for tracking inventory, contractors’ equipment, goods in transit, and valuable papers and records for manufacturers’ and customers’ records. Duplicates must be kept of all data to permit easy replication in the event of a loss. Contractors’ equipment includes forklifts and hand trucks used to access and move stored items. Goods in transit are subject to loss from collision or overturn, either of which could trigger an explosion if the transported goods are flammable.

Premises liability exposures are limited due to the lack of public access to the storage facilities. Contracts with transportation and storage providers may expose the operation to additional liability. Railroad sidetrack agreements pose additional concerns. If there is a railroad sidetrack or dock, an employee must verify that no one is in the path of an incoming or outgoing train. Tanks, railroad tracks, and conveyors can be attractive nuisances. The premises should be enclosed by fencing and other security to prevent vandals from entering the premises. “No Trespassing” signs should be posted.

Completed operations liability exposures are mainly due to misdelivery. The wrong fuel placed in a customer’s tank has consequences ranging from inconvenience to tragedy as incorrect gasoline pumped into an airplane fuel tank will cause the plane to crash. The insured must have controls in place to monitor the fuels received from the refinery and delivered to customers.

Environmental impairment exposures are significant due to the possibility of tank leakage which can contaminate air, ground, or water. All tanks must meet EPA standards that include regular inspections and monitoring. Truck collisions and overturns can result in off-site environmental contamination. Drivers must be trained in and capable of performing needed and appropriate cleanup operations.

Automobile exposures come from the delivery vehicles, which are large and awkward, and must be navigated over highways, rural winding roads, and congested city streets. Drivers must be trained in appropriate handling methods. Multiple deliveries may be made during a single shift. Tankers often have compartments so that many different types of fuel can be loaded onto a single-vehicle. Drivers are responsible for loading and unloading the correct fuel into the tankers and at the customer’s premises. MVRs must be run on a regular basis. Random drug and alcohol testing should be conducted. Vehicles must be well maintained, with records kept in central locations.

About Enforce Coverage Group – Workers Compensation Insurance Specialists

Enforce Coverage Group is Located at One Penn Plaza NYC with offices in Wilton CT and Huntington NY. As Petroleum Wholesalers Workers Comp Insurance Agents, we have the knowledge and relationships with carriers to provide your company with the most comprehensive and appropriate coverage at the most cost-effective price.

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Workers Comp for Audio & Visual Equipment Manufacturing Class Code 3681

The following information provides a guide to the considerations for audio and video manufacturing workers’ compensation insurance policies in New York, New Jersey, Connecticut, and Pennsylvania. Enforce Coverage Group is a worker’s comp insurance agency with offices in New York City, Huntington, Long Island, and Fairfield County, Connecticut.

If you are looking to buy a new policy or need a free policy evaluation, contact us for a quote and pricing at (212) 947-4298

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NYC Workers Comp for Audio & Visual Equipment Manufacturing – Class Code 3681 & 4112

Description of operations: The manufacture of audio and video equipment involves a variety of operations and exposures. The equipment’s box or cabinet may be plastic, wood, or metal. Each has its own set of exposures. The interior contains electrical or electronic circuitry; each entails another set of exposures.

Property exposures are often well controlled because of the requirement of a sterile environment due to circuitry, it is important that all processes be isolated in order to prevent contamination. Flammable liquids may be used as degreasers, and other flammables may involve paints or solvents. If a spray-painting operation exists, adequate protection and an approved booth are necessary. Theft is a major concern due to the attractive nature of the products and the easy resale.

Premises liability is light because premises are controlled due to the product sensitivity.

Product liability is low except for the products that are for personal use. Clear warning labels and advice for proper use are necessary.
Environmental impairment relates directly to the processes used. Vapors, fumes, and air pollutants, as well as wastewater and disposal of by-products, are concerns that must be evaluated and controlled.

Automobile liability will vary based on whether there is the transport of products and if there is regular travel by the salespeople. If there is a fleet of vehicles, maintenance and driver control are mandatory.

Workers compensation can be moderate to high, and again depends on the processes and products manufactured. Much of the exposure is machinery-related; therefore, safety, training, and guarding are important items to evaluate. So, too, are the chemical exposures, that could result in skin and eye irritations, as well as respiratory problems. “Per-piece” payment and bonuses are common in these operations. While these do provide production incentives, they also provide disincentives to safety. Monitoring must be more vigilant to prevent the removal of safety devices.

Minimum recommended coverage:

Building, Business Personal Property, Business Income, Accounts Receivable, Computers, Goods in Transit, Employee Dishonesty, General Liability, Employee Benefits, Environmental Impairment, Umbrella insurance, Hired, and Nonownership Auto, Workers Compensation.

Other coverages to consider:

Business Auto Liability and Physical Damage, Employment Related Practices

About Enforce Coverage Group

Enforce Coverage Group specializes in Workers Comp for Audio & Visual Equipment Manufacturing. If you have an audio and video manufacturing business, contact us to discuss the current liabilities, rates, and a custom insurance quote for your business.

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Workers Comp Insurance for Exercise Equipment Manufacturing Class Code 4902 Guide

The cost and rates for Workers Comp Insurance for exercise equipment manufacturing companies (class code 4902) vary and are subject to numerous factors. The following information is a guide to getting the best business and workers compensation insurance for your company.

Workers Comp Insurance for Exercise Equipment Manufacturing

Description of operations: Exercise equipment manufacturing is growing, with new products entering the market every year. The equipment can be quite simple or extremely elaborate. Devices are manually operated or may use electricity. A variety of components are involved in each piece of equipment. Wood, plastic, or metal are used in the manufacture.

Property exposures include dust from plastics, metals, and wood. Welding and soldering are two of the heat-producing activates. Spray-painting produces a major combustion situation. Varnishes and other flammable liquids add to the overall fire load, along with the plastics that are used to protect the exteriors. Careful separation of exposures plus containment and isolation of combustion and heat-producing activates can help control the fire load. Some equipment has electronic circuitry which will be damaged with any smoke or other contamination; therefore, storage of finished products must be at a distance from any product in order to prevent contamination.

Premises liability exposure is light because visitors would not be encouraged. If there is an outlet operation, the exposure will increase to that of a retail operation.

Product liability exposure varies with the type of device used. Any weights pose an extremely high risk of injury. Devices that are automated can overheat or malfunction to the detriment of the user. Resistance devices pose less harm because once the person stops offering resistance, the device ceases to operate. Evaluation should be made as to harm caused by a malfunction. Devices must carry warning labels and instruction information. Videos showing proper use are also helpful.

Environmental impairment can be light to high, again depending on the materials and processes used.

Automobile exposure may be light to moderate. Transport of finished goods is normally not a high concern; goods often are shipped or contracted to outside sources. If the manufacturer is responsible for delivery, further evaluation is needed. Additional automobile exposure may arise if a fleet of vehicles is used for sales. Training and prior record of drivers, as well as the condition and maintenance of vehicles, are the main items to consider.

Minimum recommended coverage:
The building, Business Personal Property, Business Income, Accounts Receivable, Computers, Goods in Transit, Employee Dishonesty, General Liability, Employee Benefits, Environmental Impairment, Umbrella, Hired and Nonownership Auto, Workers Compensation.

About Enforce Coverage Workers Comp Insurance Experts

We specialize in Workers Compensation Insurance for businesses in Connecticut, New York, New Jersey, and Pennsylvania. Contact us to discuss policy costs for your manufacturing business.

 

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Workers Comp for Pharmaceutical Companies – Class Codes 4825 & 4611

The cost of workers comp for pharmaceutical companies, the insurance and rates, vary depending on various factors. Enforce Coverage Group specializes in business insurance for the manufacturing industry. Contact us directly for more information about the costs of workers’ compensation insurance for pharmaceutical manufacturers if you are considering buying a new policy or would like to compare rates with your existing carrier.

Workers Comp for Pharmaceutical Companies

Description of operations: Pharmaceutical manufacturing begins with a variety of raw materials, which may be organic, chemical or synthetic, that are then combined, mixed, and blended in proper proportions to produce an end product. Some may need to be heated in the process; others will not. The end product may be cream, jelly, powdered, capsules, liquid, or suppository, to name a few. Each process is different and has different characteristics, but the primary concerns are cleanliness, purity, and the proper mix of ingredients.

Property exposure depends upon the raw materials and ingredients. Because many of the mixing operations are automated, machinery exposure exists. Machines must be cleaned and maintained on a regular basis. Flammables must be separated and properly stored in adequate approved containers. The Damageability of the product is a major concern. Due to sterile conditions, any fire can result in a total loss. Separation of the final product from the processing operation can prevent the total loss potential.

Premises liability is normally low to moderate. Access to visitors is usually limited and controlled, due to the need for cleanliness.

Products liability is very high and, again, purity, cleanliness, and proper mixture of ingredients is critical. Any exposure to contaminants could result in severe losses. Quality control is of the utmost concern, as is compliance with all government regulations and controls.

Environmental impairment is also very high, and every aspect of air, noise, water, and waste treatment must be reviewed and evaluated.

Automobile exposure is very high if the manufacturer has its own tanker trucks for pickup of raw materials and does its own transport. The drivers should have HazMat licenses and their driving records should be checked on a regular basis. Of equal importance is the condition and maintenance of the vehicles, especially tankers. All maintenance must be documented.

Workers’ compensation exposure is machinery-related, so safety, training, and guarding are important items to evaluate. So, too, are the chemical exposures that result in skin and eye irritations, as well as respiratory problems. Workers must be made aware of the potential side effects of the chemicals they work with in order to assess any symptoms they may have.

Minimum Workers Comp Insurance Recommended Coverage for Pharmaceutical Manufacturing Coverage:

The minimum worker’s comp insurance policies should include the following: Building, Business Personal Property, Business Income, Accounts Receivable, Computers, Goods in Transit, Employee Dishonesty, General Liability, Employee Benefits, Environmental Impairment, Umbrella, Hired and Nonownership Auto, Workers Compensation.

About Enforce Coverage Group

We are located in NYC and 1 Penn Plaza with offices in Connecticut and Long Island. We provide workers compensation insurance services to companies in New York City and New York State, Connecticut, New Jersey, and Pennsylvania.

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Errors and Omissions Insurance for Contractors

Errors and Omissions Insurance for Contractors: Were you aware your company needed this vital coverage? 

Almost every contractor carries some form of general liability coverage. While these policies can provide much-needed protection for bodily injury and property damage claims that occur as the result of a contractor’s work, they typically don’t account for all forms of negligence.

That’s where errors and omissions insurance for general contractors (E & O) comes into play. This Coverage Insights provides a brief overview of Errors & Omissions insurance and outlines why it is a critical component to a contractor’s overall risk management program.

Why Errors and Omissions Insurance for Contractors?

General liability policies aren’t adequate enough to protect against errors and omissions claims, necessitating standalone coverage. In fact, most general liability policies exclude your work, your products, and impaired property, creating significant insurance gaps.

Making E&O insurance even more crucial, general contractors are particularly vulnerable to claims of negligence following unintentional damage to an insured party, impairment of property, damage to products, or similar incidents that can occur without warning during a construction project. Even simple complaints have the potential to escalate into costly legal disputes.

What’s more, courts often rule against contractors in claims related to errors and omissions, and without the proper protection, general contractors would have to cover the damages out of pocket.

E&O policies can help contractors close gaps in their insurance coverages, providing coverage for claims related to the following:

1. Failing to deliver promised services
2. Negligence in providing professional services
3. Poor, incorrect or incomplete work
4. Errors and oversights

Strong E&O policies can protect you and your business following a claim, helping you cover expenses related to court costs, lawyer fees and settlements. It should be noted that E&O insurance may not extend to your subcontractors, and you should encourage them to secure their own policies.

Securing the E & O Policy That’s Right for You

As a contractor, there are a variety of insurance products to consider. To ensure you are accounting for all of your unique risks—and to secure a policy that is tailored to meet your specific business needs—it’s important to work with a qualified insurance broker.

Enforce Coverage Group provides errors and omissions insurance for general contractors in New York, New Jersey, Connecticut, and Pennsylvania.

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