NY Workers Comp Insurance for Warehouse Storage Class Code 8292

To find the best NY Workers Comp Insurance for Warehouse Storage Class Code 8292, contact Enforce Coverage Group. We offer free quotes & policy evaluations with competitive workers compensation rates for business owners.

This post was first published on August 17, 2011, and updated on June 30, 2020.

NY Workers Comp Insurance for Warehouse Storage

Description: Code 8292 workers maintain the warehouse and its equipment and the receiving, handling and release of the merchandise from storage. This warehousing is of merchandise that is owned by another business. Hence the warehouse firm has no equity in the merchandise that is stored. This code applies to merchandise stored over long periods of time and will not break down during storage.

Firms that have a constant movement of goods should refer to freight handling codes such as 7228 or 7229.

Code 8292 usually applies when no other more specific code applies.

Materials Used: warehouse equipment; storage merchandise such as dry cement; rice; coffee; potatoes; peanuts or other nonperishable products.

Pricing: Solid companies with a good loss history can obtain better than average pricing on NYS Workers’ compensation rates.

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GENERAL MERCHANDISE STORAGE FACILITIES
Category: Warehouses and Storage
SIC CODE: 4225 General Warehousing and Storage
NAICS CODE: 493110 General Warehousing and Storage
Suggested ISO General Liability Code: 99938
Suggested Workers Compensation Code: 8292

Description of operations: General warehouses offer long- and short-term storage facilities to both business and residential customers for all types of transportable property. The length of storage varies from a few days to years, depending on the customer’s needs. Services may include packing, pickup, delivery, and unpacking as well as storage. Some sell boxes and packaging supplies. While many warehouses are associated with or are part of moving operations, others may be associated with or part of specific operations storing only a consistent type of stock, such as a parts warehouse for a machinery manufacturer. Some are located next to railroad sidetracks or on waterways for easier access to rail or water transportation. They may be subject to federal inspection and regulation.

Property exposures are high. Ignition sources include electrical wiring, heating, and air conditioning systems. The combination of faulty or inadequate electrical wiring and equipment malfunctions, open construction, and large quantities of combustible stored items and packaging materials can lead to a severe loss. All wiring must be up to code and adequate for the operations performed. The stored goods may have heavy fire loads. 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. Stored property 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.

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

Inland marine exposures include accounts receivables if the warehouse bills customers, computers for tracking inventory, contractors’ equipment, valuable papers and records for customers’ and suppliers’ information, and warehouse operators’ legal liability. Contractors’ equipment includes forklifts, cherry pickers, and hand trucks used for moving stored items. All data should be duplicated and placed off site for easy replication.
Warehouse operators’ legal liability will depend on the contract between the facility and its customers but should spell out who is responsible for damage to stored goods. Any items in storage must be marked to prevent incorrect release. Goods in transit coverage is needed if the operation includes pickup and delivery of customers’ goods.

Crime exposure is from employee dishonesty. Pre-employment background checks, including criminal history, should be performed on all employees handling money. Storage operations involve a number of transactions and accounts that can be manipulated. Loading docks should be supervised to minimize employee theft of goods. There must be a separation of duties between employees handling deposits and disbursements and reconciling bank statements. Regular audits, both internal and external, are important in order to prevent employee theft of accounts. Receipts must be provided for all payments and compared to money received. If packing or unpacking services are offered, drivers, loaders, and unloaders will have access to customers’ premises, increasing the exposure to theft of customer property or customer identity theft.

Premises liability exposure is limited due to the lack of public access to the storage facilities. Customer access should be limited to specific waiting areas, which should be kept clean, dry, and free of obstacles. Proper attention to housekeeping is needed to prevent trips, 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. The facility may have a railroad sidetrack or dock. An employee should 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. Packing or unpacking at customers’ premises could result in bodily injury should objects fall on customers, or cause damage to customers’ property.

Automobile exposure can be high if pickup or delivery services are provided. Children may be present during loading or unloading operations, requiring additional caution. 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 required. Vehicles must be well maintained, with records kept at a central location.

 

NY Workers Comp Insurance for Warehouse Storage

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New York Workers Comp Insurance for Road Construction Class Code 5507

If your construction company builds or repairs streets, roads, or highways, then this worker’s comp insurance guide will help you understand if your operations are properly classified and that you have the right business coverage for your needs.

This post was first published on August 30, 2011, and updated on June 29, 2020.

New York Workers Comp Insurance for Road Construction Class Code 5507

Description: Code 5507 workers are engaged in street or road construction involving subsurface work. This means clearing of the right-of-way, earth excavating, and filling and grading. This work may include removal of detached rock or small boulders which may also be broken up. This is not mass rock excavation classification (refer to code 6717). This also includes sand and gravel digging when performed by contractors as a part of earth excavating and filling operations to place the roadbed at the proper grade.

Materials Used: Construction tools

Pricing: Solid companies with a good loss history can obtain better than average pricing on NYS Workers’ compensation rates.

Click here for rates

ROAD CONTRACTORS
Category: Contractors – Construction
SIC CODE: 1611 Highway and Street Construction, Except Elevated Highways
1622 Bridge, Tunnel, and Elevated Highway Construction
NAICS CODE: 237310 Highway, Street, and Bridge Construction
Suggested ISO General Liability Code: 99321, 99315, 91266, 91265
Suggested Workers Compensation Codes – New York Workers Comp Insurance for Road Construction: 5506, 5507, 5508

Description of operations: Street and road contractors build, maintain, or repair streets, highways, and interstates. After the route is designed and the land cleared, road construction consists of grading and compacting the earth, laying a bed of gravel, laying down the subsurface roadbed (usually of cast-in-place reinforced concrete), surfacing the road with the pavement, drying and curing, and marking lanes and crosswalks. Road contractors may perform all of these operations or just the subsurface work. Bridges, underpasses and viaducts, and projects over or near water involve additional steps. Surface work includes laying down the uppermost surface (“wearing surface”) which must withstand the wear-and-tear from tire friction and from the elements. The surface may be made of asphalt or concrete. A cold or hot mixture may be used for paving. Cold mixtures are often used for temporary repairs and patching as they can be used at lower temperatures, but they are not as strong or durable as a hot mix, which is a combination of asphalt and concrete. Operations may include transporting unwanted dirt and debris to dumpsites or bringing sand, gravel, and other materials to the job site. Hot mix plants (“batch plants”) that are transported to job sites generally produce paving materials, but smaller operations will purchase the hot mix and have it delivered to their job site.

Property exposures at the contractor’s own location are usually limited to an office and storage of material, equipment, and vehicles. Ignition sources include electrical wiring, heating, and air conditioning systems. If repair work on vehicles and equipment is done in the building, fire hazards may be high due to the storage and use of flammable gasoline and other fuel sources. The contractor’s yard may include piles of gravel, sand as well as large mixing, or batch plants awaiting transport to job sites. If equipment and supplies are stored in the yard, they may be damaged due to wind, vandalism, and theft. Appropriate security measures must be in place including lighting and physical barriers to prevent unauthorized access.

Crime exposure is from employee dishonesty. Background checks should be conducted prior to hiring any employee. All orders, billing, and disbursements must be handled as separate duties and annual external audits conducted.

Inland marine exposures are from accounts receivable if the contractor bills customers for services, contractors’ equipment, including hot mix plants, goods in transit, installation floater, and valuable papers and records for project plans, clients’ and suppliers’ information. Construction equipment is heavy and difficult to transport.

The training of drivers and haulers, especially with respect to the loading, tie-down, and unloading, is important to avoid damage from overturning or collision. At the job site, hazards come from uneven terrain, from the abrasive or caustic nature of some of the materials, or from the sheer weight of the surfacing material as it may exceed the equipment’s load capacity.

Tools and equipment may be damaged by dropping and falling from heights or being struck by other vehicles. Hot mix plants may overheat and catch on fire. Materials and equipment left at job sites may be stolen or vandalized unless proper controls are in place.

Jobs may involve placement of large precast concrete deck segments manufactured offsite, transported to the job, and lifted up onto bridge piers or other structures with a crane. Resulting hazards include instability due to overload and wind velocity, causing possible damage to both the crane and the building materials. Copies of project plans should be kept at an offsite location for easier restoration.

Premises liability exposure is low at the contractor’s premises since visitor access is limited. Equipment and materials stored in the open may present an attractive nuisance to children. If a hot tar process is used at the contractor’s premises, it poses a fire hazard as high winds may carry smoke and heat to adjacent properties. Contact with the tar or bitumen is a minor injury and property damage hazard.
At job sites, the contractor is responsible for the safety aspects of the entire project even after hours when there is no construction activity. Digging and excavation, the operation of heavy machinery and asphalt plants, and the weight of large mixers and mix-in-transit vehicles present numerous hazards to the public and to employees of other contractors. Hazards increase significantly in the absences of job site control, including spotters, signage, and barriers where appropriate. Road contractors must contend with vehicular, bicycle, and foot traffic. The smoke, dust, and noise generated by paving operations are often nuisance hazards. The uneven ground, hot tar, and heavy machinery may result in serious injuries to passersby and motorists, as well as property damage to adjacent vehicles, buildings, and residences. Grading and trenching may result in damage to underground lines or piping, some of which may be catastrophic. Serious traffic accidents may occur in the absence of an appropriate barricading system and clear marking of streets and roads that are closed. The party responsible for warning signs, barricades, and other precautions for drivers must be spelled out in any contract. Construction sites create an attractive nuisance hazard, especially if work is close to residential areas. Wet pavement, in particular, attracts children and vandals. Safety barriers such as perimeter fencing may be needed, especially if work is left uncompleted overnight. If the insured does do road work on bridges there may be hazards to persons and property due to falling objects. Work near water also poses unique hazards.

Completed operations hazards vary with the type of operations. Private driveways are generally low hazard work, while trip and fall hazards in a retail parking lot may result in a serious bodily injury loss. Most hazardous of all are airport tarmac and runway projects due to the catastrophic potential of an accident involving a plane full of passengers. Quality control and full compliance with all construction, material, and design specifications is necessary. Hazards increase in the absence of proper record keeping of customer specifications, work orders, change orders, as well as inspection and written acceptance of finished work by the customer.

Environmental impairment liability exposures may arise from the waste generated in the fueling and cleaning of heavy equipment, including mix-in-transit containers, but especially from the asphalt plant. Allowing waste to accumulate either at the job site or in the contractor’s yard could result in contamination of air, ground, or water supply. Collection, transportation, and disposal of waste must meet all federal and state requirements.

Professional liability exposures arise from the design of the project and the interpretation of specifications by the contractor’s engineers. Collapses under a load of traffic are rare but catastrophic. Other factors must be taken into account, including soil conditions for foundations, historic flood and tide levels, and especially wind shear. Due to prior bridge collapses, it is now mandatory that every bridge design is submitted to wind tunnel testing. Many contractors have engineers that will do incidental draft work, such as water drainage channels.

Automobile exposures are very high. Serious property damage or injury to passing pedestrians or motorists or to employees of other contractors can arise during loading and unloading of equipment and materials. Similar hazards are posed if trucks are used for grading of land or dump trucks are used for hauling sand and gravel. The bodily injury and property damage can be severe should hot tar be transported or the contractor uses mix-in-transit units, which are among the heaviest on the road, because of the potential of a unit overturning or being involved in a collision. Equipment unloading and setup may take place on uneven ground, or in undeveloped areas, posing an additional upset or overturn hazard. Long drives with oversized equipment may lead to driver fatigue and resulting accidents. Age, training, experience, and drivers’ records, as well as the age, condition, and maintenance of the vehicles, are all important items to consider. For long-term projects away from home base, personal use of company vehicles poses a concern. Similarly, employees may use their own vehicles on company business for long periods, especially to transport crews to the job site. All drivers must have appropriate licenses and acceptable MVRs. Vehicles must be maintained and the records kept in a central location.

Workers’ compensation exposures can be very high, especially for New York Workers Comp Insurance for Road Construction operations. Serious injuries or even fatalities may occur from vehicles during work on existing roads, particularly in the absence of an appropriate barricading system and clear marking of streets and roads that are closed. Working around the asphalt plants or with the hot mix can result in burns and inhalation of smoke or harsh chemicals. Other common hazards include back injuries, hernias, sprains, and strains from lifting, cuts, and puncture wounds from working with hand tools, foreign objects in the eye, and hearing impairment from cumulative exposure to high-decibel operations. The use, misuse, maintenance, and transport of large, heavy machinery present unique hazards that need review. Digging and grading of land may result in injury from underground electrical cable or gas lines. Work on viaducts, bridges, and ramps may involve some work at heights, with trip and fall hazards. Work over or near water and waterways poses an additional risk of drowning.

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

Other coverages to consider:
Building, Business Income with Extra Expense, Earthquake, Flood, Leasehold Interest, Real Property Legal Liability, Cyber liability, Employment-related Practices Liability, Environmental Impairment Liability, Professional Liability, Stop Gap Liability, Unmanned Aerial Vehicles (UAV) (Drones)

About Enforce Coverage Group

If you’re looking for the best New York Workers Comp Insurance for Road Construction, Enforce Coverage Group specializes in Workers Compensation and Business Insurance for companies in New York, Connecticut, New Jersey, and Pennsylvania. We are located at 1 Penn Plaza NYC with offices in Wilton CT and Huntington NY.

The post New York Workers Comp Insurance for Road Construction Class Code 5507 appeared first on Enforce Coverage Group.

NYS Workers Comp Code 0042 Landscape Gardening & Drivers Guide

NYS Workmens Comp Rate for Code 0042 for landscape workers 

This post was originally published on August 22, 2011, and updated on June 26, 2020.

Description: Code 0042 covers workers who cut grass, apply weed control, spray lawn and trees, layout grounds, spray/ fumigate, or planting trees, shrubs, flowers, or lawns. This code also includes brush clearing, planting of seedlings or transplants, cleaning, weeding, or improvement cutting for the purpose of promoting the growth of remaining trees. Any clearing and grading done by these workers are of the fine type necessary for finishing operations and do not result in changes to the contour of the land. This code includes sod or artificial turf installers.

Materials Used: Lawn or gardening tools; weed control chemicals; sprayers

Pricing: Solid companies with a good loss history can obtain better than average pricing on NYS Workers’ compensation rates.

Click here for rates

NYS Workers Comp Code 0042 Landscape Gardening & Drivers Guide

LANDSCAPE CONTRACTORS
Category: Casual and Artisan Contractors
SIC CODE: 0781 Landscape Counseling and Planning

0782 Lawn and Garden Services
NAICS CODES: 541320 Landscape Architectural Services
561730 Landscaping Services
Suggested ISO General Liability Code: 97047, 97050
Suggested Workers Compensation Codes: 0042, 9102, 0106

Description of operations: Landscape contractors design, install, and maintain outdoor spaces, combining plants and architectural features in a manner attractive to customers. Services offered may include installation of sod for a lawn, planting of trees, bushes, shrubs, flowers, and other plants, or the installation of retaining walls, fountains, walkways, or other architectural enhancements. Some landscape contractors will change the contours of the grounds, while others will limit their work to planting new or maintaining existing lawns and plants. Additional operations may include installation or winterization of underground sprinkler systems, tree trimming, nurseries or lawn, and garden shops.

Property exposures may be limited to an office and a storage yard for vehicles or equipment. Property exposures may include the use or sale of live and growing plants, shrubs, bushes, trees, or flowers. These may grow outside in a yard or in a structure such as a greenhouse. Both the structure and the growing stock are susceptible to damage by fire, wind, hail, and vandalism. The stock is also vulnerable to loss by frost and animals or insects. Specialty coverages designed specifically for growing stock may be needed. Older greenhouses may be subject to frequent glass breakage since they are typically made with the lowest grade of plate glass. Newer greenhouses are simply framed with plastic coverings that need frequent replacement as they tend to yellow or cloud in the weather and block out sunlight needed by plants. There may be backup systems or generators employed to prevent freezing or other temperature losses. Fire hazards can be high from the flammables used in the repair of vehicles or equipment, such as solvents and degreasers, and the chemicals in fertilizers and insecticides. These must all be well controlled, labeled, and separated with proper storage in the appropriate containers and storage facilities.

Crime exposures are from employee dishonesty. Background checks, including criminal histories, should be obtained on each employee prior to hiring. Ordering, billing, and disbursement should be handled as separate duties with reconciliations occurring regularly. There should be appropriate procedures in place when employees accept payments off-site.

Inland marine exposure includes accounts receivable if the landscaper offers credit to customers, contractors’ equipment, goods in transit, and valuable papers and records for customers’ and suppliers’ information. Equipment may include mowers, sprayers, cherry pickers for tree trimming, and trenchers for underground work. Goods in transit may be damaged by fire, collision or overturn. While the transport of fully grown trees for planting is rare, the stock may be of high value. Vehicles containing stock should be attended at all times.

Premises liability exposures can be light at the landscaper’s own premises if there is no public access. If there is a nursery, the exposure increases as customers may slip or fall on wet flooring or dirt or trip over equipment. Plants and equipment stored in the open can present an attractive nuisance.

At job sites, hazards include injury or damage from stones or other debris thrown by power mowers, trimmers, and other equipment. Tree trimming may result in falling tools, branches or debris that may injure persons, damage vehicles or other property, or fall onto power or communication lines. The use of chain saws on trunks or limbs and the use of chippers for disposal may result in flying debris that can cause serious bodily injury.

The areas of operation should be restricted by barriers and proper signage to protect the public from slips and falls from spills and equipment and supplies impeding access. The application of lawn chemicals presents both premises and completed operations hazards that could result in serious long-term injury, illness, or disease to customers and passersby. Overspray from operations could result in small but frequent property damage losses. Contractors who do not obtain and keep proper licensing and certification for chemical applications create a serious liability exposure to themselves.

Environmental impairment exposure is significant. The application of chemicals can result in damage to air, soil, or groundwater. The landscaper must comply with all federal, state, and municipal regulations regarding the use and disposal of chemicals and waste products. Employees who handle chemicals must have the appropriate licenses and certifications individually.

Automobile exposures can be very limited if the service is maintenance only and does not supply plants. If plants and large trees are transported, the exposure increases due to the possibility of the load being involved in a collision or overturn. Vehicles may be custom designed with specialty equipment, such as lifts, cherry pickers, and tree planting or removal equipment. Drivers should be aware of and be able to perform cleanup procedures in the event of a collision or vehicle overturn. 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 with records kept in a central location.

Workers’ compensation exposures are high due to the operation of machinery and equipment, work at heights, work on uneven ground, and exposure to underground or above-ground cables and lines. The use of power-cutting equipment can result in cuts and possible amputations. Back injuries, hernias, sprains, and strains can result from lifting. Chemical applications may cause lung problems along with allergic reactions and other more serious complications. Casual labor, seasonal workforce, and high turnover present a significant loss control challenge.

Minimum recommended coverage:
Business Personal Property, Employee Dishonesty, Contractors’ Tools and Equipment, General Liability, Employee Benefits Liability, Umbrella Liability, Automobile Liability, and Physical Damage, Hired and Nonownership Auto, Workers Compensation

Other coverages to consider:
Building, Business Income with Extra Expense, Crop Insurance, Earthquake, Flood, Hail Insurance, Leasehold Interest, Real Property Legal Liability, Accounts Receivable, Computers, Goods in Transit, Installation Floater, Valuable Papers and Records, Cyber liability, Employment-related Practices Liability, Environmental Impairment Liability, Stop Gap Liability

About Enforce Coverage Group

We specialize in Workers Compensation and Business Liability Insurance for businesses in Connecticut, New York, Pennsylvania and New Jersey. Find out more about NYS Workers Comp Code 0042 Landscape Gardening & Drivers rates and coverage to make sure your landscaping business is protected. Call Enforce today!

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NYS Workers Comp Code 5102 Door and Window Installation

NYS Workers Comp Code 5102 Door and Window installation

Description: This code includes the installation of all types of doors and windows. This also includes non-overhead-type garage doors. The types of interior and exterior doors and windows can be commercial and residential for example aluminum, vinyl, composite, fiberglass, and steel but are not limited to just these. The operations include placing and securing the door or window to framing members. The doors may be trimmed for proper clearance, and latching mechanisms are installed. Metal doors may also involve the installation of electric devices that will automatically close the door.

Code 5102 can also include the installation of storm shutters made of wood, accordion, roll-down, fabric screens, and corrugated plastic and sheet metal.

Materials Used: Door or window material, installation tools.

Pricing: Solid companies with a good loss history can obtain better than average pricing on NYS Workers compensation rates.

Click here for rates

DOOR AND WINDOW INSTALLERS
Category: Casual and Artisan Contractors
SIC CODE: 1751 Carpentry Work
NAICS CODE: 238350 Finish Carpentry Contractors
Suggested ISO General Liability Codes: 91746, 91341, 91342
Suggested Workers Compensation Codes: 5102, 5645, 5403

Description of operations: Door and window installers prepare openings, hang doors or windows in the opening, and install hardware such as hinges, knobs, and locks. Exterior doors and windows are sealed to provide a moisture barrier protecting the structure from weather-related damage. Installers who sell windows and doors may represent one manufacturer exclusively or represent several. Some installers have no inventory; others have showrooms and warehouses full of merchandise.

Property exposures may be limited to an office only or include a showroom and inventory of doors, windows, or other building materials. The storage of lumber, paints, finishes, varnishes, and shellac combined with the dust from the cutting of the lumber or wood can create a high fire and explosion exposure. Labeling, separation, proper storage of flammables and adequate aisle space reduce the exposure. If the installer accepts delivery of merchandise on behalf of clients at its own location, all such stock received and awaiting installation should be included in the installer’s property coverage.

Crime exposures are from employee dishonesty. Background checks, including criminal history, should be performed on all employees providing services to customers or handling money. All ordering, billing, and disbursement should be handled as separate duties with reconciliations occurring regularly.

Inland marine exposures include accounts receivable if the installer offers credit to customers, contractors’ equipment, including scaffolding, goods in transit, installation floater, and valuable papers and records for customers’ and suppliers’ information. Doors and windows in transit are vulnerable to damage from dropping, breakage, shifting, inadequate packaging, collision, and overturn. The installation floater exposure varies depending on whether the contractor delivers the windows and doors or has them drop shipped to the job site. The contract with the client should state who is responsible for the windows and doors during transit and storage.

Premises liability exposures at the installer’s office are generally limited due to a lack of public access. If there is a showroom, clients can slip or fall, or be injured by falling displays. Fires or fumes from woodworking and/or lumber storage operations can spread to neighboring businesses or homes. Outdoor storage may create vandalism and attractive nuisance hazards.

Off-site exposures can be extensive. Jobsite operations include removal of the current windows and doors and all carpentry necessary to prepare the opening for replacements. The installer’s employees can cause property damage to the client’s premises or bodily injury to members of the household. Tools, power cords, building materials, and scrap all pose trip hazards even when not in use. The use of saws and other power or hand tools is inherently hazardous due to sharp edges and moving parts. Unprotected openings allow wind, rain or unauthorized persons to enter the premises, and for children or others to fall out of the structure. The area of operation should be restricted. In enclosed structures, the buildup of dust and scraps can result in catastrophic fire and explosion. Disposal of waste materials (dust, scrap, varnishes or paints) could create an environmental hazard. There may be significant subcontractor and other contractual liability exposures.

Completed operations liability exposures are moderate. Quality control and strict compliance with all manufacturers’ and designers’ specifications are necessary. Improper exterior sealing can lead to moisture buildup and growth of mold and other forms of fungus. Inadequate monitoring of work orders and change orders may be a concern. Poor record-keeping may result in payment of otherwise questionable claims. Inspection and written acceptance of the work by the owner or general contractor is critical.

Automobile exposures are limited unless windows and doors are transported by the installer. 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 a central location. Hazards of transport include failure to properly secure the load and equipment failure, especially tie-downs and hitches.

Workers’ compensation exposures vary based on the size and nature of the job. Work with hand tools and sharp objects such as saws, chisels, and nails can result in cuts, piercings, and accidental amputation. Back injuries, hernias, strains, and sprains can result from lifting. Minor injuries may be frequent even when the severity of exposure is controlled. When work is done on ladders and scaffolds, there is a potential for severe injury or death from falling, being struck by falling objects, sudden gusts of wind, and other adverse weather conditions. The absence of good maintenance of scaffolds, proper use of basic safety equipment, such as scaffolding safety belts, steel-toed shoes, and eye protection, and strict enforcement of safety practices may indicate a morale hazard. Employees must be carefully selected, trained, and supervised. Occupational diseases can result from exposure to noise, dust, and metal particles.

Minimum recommended coverage:

Business Personal Property, Employee Dishonesty, Contractors’ Equipment and Tools, Installation Floater, General Liability, Employee Benefits Liability, Umbrella Liability, Automobile Liability, and Physical Damage, Hired and Nonownership Auto Liability, Workers Compensation

Other coverages to consider:
Building, Business Income with Extra Expense, Earthquake, Flood, Leasehold Interest, Real Property Legal Liability, Accounts Receivable, Computers, Goods in Transit, Valuable Papers and Records, Cyber liability, Employment-related Practices, Stop Gap Liability

For the best rates on NYS Workers Comp Code 5102 Door and Window Installation, give us a call. We offer free policy reviews to help you ensure you are properly classified for your business and have the most affordable coverage available.

The post NYS Workers Comp Code 5102 Door and Window Installation appeared first on Enforce Coverage Group.

NYS Workers Comp Rate for Class Code 5160 Elevator Erection or Repair Guide

This post was originally published August 31, 2011 and updated on June 22, 2020.

NYS Workers Comp Rate for Code 5160 Elevator Erection or Repair Guide

Description: Code 5160 includes the erection of elevators or escalators including the installation of all electrical apparatus and wiring associated with the operation of it at the site. This code includes the service or repair of elevators and escalators as long as the repair is away from the shop. The repair work at the site may also be included in code 5160 even though it is only electrical work.

Materials Used: construction tools for installation or repair, electrical repair tools.

Pricing: Solid companies with a good loss history can obtain better than average pricing on NYS Workers Compensation Rates.

Click here for NYS Workers Comp Rate for Class Code 5160

ELEVATORS
Category: Manufacturing
SIC CODE: 3534 Elevators & Moving Stairways
NAICS CODE: 333921 Elevator and Moving Stairway Manufacturing
Suggested ISO General Liability Code: 52581
Suggested Workers Compensation Code: 3042

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Description of operations

Elevator manufacturers produce freight and passenger elevators. They may also produce escalators, power-operated dumbwaiters, moving sidewalks, and other assorted conveyor systems. While elevator components are built in a manufacturing facility, they are actually assembled on the building site. Component parts include a steel-framed elevator box or car, wire rope or cable for lowering and lifting the box, electronic and computer components to control the opening and closing of doors and the ascent and descent, and a motor that hoists the actual load. The elevator box is generally finished with decorative or functional paneling and flooring. The suspended ceiling hides the lighting fixtures. The girders and other framing elements into which the elevator is installed must support the load and withstand the vibration of its operation. Most elevators use a pulley system and counterweights installed in a separate shaft to reduce the weight that must be supported by the motor. Component parts may be manufactured in different locations or different countries. Elevators must meet the safety standards of the American National Standards Institute and the American Society of Mechanical Engineers and are subject to frequent state inspection and certification.

Property exposures consist of offices, plant, and warehouse for finished units and yard for storage of raw materials. Ignition sources include electrical wiring, heating and cooling equipment, production machinery, and explosions from the build-up of dust from the cutting and sanding operations. The risk increases dramatically in the absence of proper dust collection systems, ventilation, and adequate disposal procedures. Lubricants, solvents, or degreasers may be flammable and must be adequately separated and stored away from other operations. Additional exposures include electroplating, welding, soldering, plastics, and spray-painting. Spray-painting operations should be conducted in spray booths with explosion-proof wiring. The use of dip tanks instead of spray booths may require special attention. Welding should be done away from combustibles. Some materials may be attractive to theft. Appropriate security controls should 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. Business income and extra expense exposures can be high when a lengthy amount of time is required to restore operations.

Equipment breakdown exposures include malfunctioning production equipment, ventilation and dust collection systems, electrical control panels, and other apparatus. A lengthy breakdown of production machinery could result in severe loss, both direct and under time element.

Crime exposures are chiefly from employee dishonesty and theft. Employees may act alone or in collusion with outsiders in stealing money, raw materials, or finished stock. Background checks should be conducted on all employees. There must be a separation of duties between persons handling deposits and disbursements and handling bank statements.

Inland marine exposures include accounts receivable if the manufacturer offers credit, computers (which may include computer-run production equipment), contractors’ equipment for forklifts and other heavy machinery including cranes used in the installation, goods in transit, installation floater, and valuable papers and records for customers’ and suppliers’ information. The primary causes of loss are fire, theft, overturn, collision, and water damage. Items left at job sites may be susceptible to theft and vandalism.

Premises liability exposure is limited unless customers are allowed on-premises to evaluate progress on custom orders or the manufacturer conducts tours. Visitors may be injured by slips, trips, or falls. The storage of materials in the open could pose an attractive nuisance. The yard should be fenced to prevent unauthorized access, with proper lighting and warnings. Dust, fire or explosion, fumes, and noise may affect neighboring properties. Off-premises exposures are extensive if the applicant installs or services units. Passersby and employees of other contractors can be injured by falling objects, trip hazards, and falling into an unprotected opening in an elevator shaft under construction. Because welding and soldering take place during installation, controls must be in place to prevent fire damage to the elevator and surrounding areas.

Products liability exposure is significant due to the potential for bodily injury or property damage should an elevator fail. An improperly designed or installed elevator can fall or stop between floors, trapping passengers. Doors should not open between floors or in the event of a fire. Should an elevator ever fall or swing loose, the shaft, cables, and wiring can be severely damaged. It may be impossible to defend against questionable claims unless there is an aggressive quality control program including high standards for materials, testing and monitoring of components, and documentation of sources down to each individual part. Losses may be caused by poor workmanship, faulty design, faulty installation, or hidden damage during storage (such as rust) or during shipping (such as unseen breakage of a part). The life span of an elevator may span several decades. Older elevators made before improved safety features were introduced may still be in use.

Environmental impairment exposure can be significant due to possible contamination of ground, air, and water from the chemicals and paints used in processing and lubricants and solvents used to service machinery. For plastics, the raw materials may be toxic and are flammable, the catalysts may be caustic, and the final product is usually not biodegradable. Storage and disposal procedures must adhere to all EPA and other regulatory standards.

Automobile exposure may be high if the manufacturer picks up raw materials or delivers pre-assembled elevator components to job sites. Transporting of the elevator boxes or wire cable could result in bodily injury or property damage losses if the load should shift or become unsecured during transport, resulting in collision or overturn. Manufacturers generally have private passenger fleets used by sales representatives. There should be written procedures regarding the private use of these vehicles by others. Drivers should have an appropriate license and an acceptable MVR. All vehicles must be well maintained with documentation kept in a central location.

Workers compensation exposure may be extensive. Injuries from production machinery are common, as are burns, cuts, puncture wounds, slips, trips, falls, back injuries from lifting during production, delivery, or installation, eye injuries from flying debris, hearing loss from noise, and repetitive motion losses. Amputations can occur from working with machinery. Workstations should be ergonomically designed. The high volume required for production schedules may lead workers to remove guards on the machinery, or to postpone maintenance and repair to increase production. Eye, skin, and respiratory irritants can result from spray-painting, coating, and finishing, or welding. Workers should be aware of the toxic nature of any chemical and should be made fully aware of the need to watch for early signs and symptoms of problems. Drivers of forklifts and vehicles may be injured in accidents. If the manufacturer installs or services elevators, workers can fall into shafts or be injured during testing.

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

NYS Workers Comp Rate for Class Code 5160

 

To find out more about NYS Workers Comp Rate for Class Code 5160, give our insurance experts a call at (212) 947-4298.

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NY Workers Comp Insurance Rates Class Code 5040 Steel Contractors

If you’re looking for the best NY workers comp insurance rates for class code 5040 Iron or Steel Frame Erectors, you’re in the right place. The insurance experts at Enforce Coverage Group specialize in workers comp for the construction trades. Below you’ll find a detailed guide to class code 5040 along with recommended types of business insurance steel companies need to consider for protecting their businesses.

This post was originally published July 28, 2011 and updated on June 15, 2020.

NY Workers Comp Insurance Rates Class Code 5040 Steel Contractors

Definition: NY Workers Comp Code 5040 is applied to insureds engaged in the erection of iron or steel frame structures including assembly or fabrication at a job site.  Further, this Code applies to the raising and securing of structural members for buildings in excess of two stories high.  Certain specialist contractors also fall within the scope of this classification please call for details at 212-947-4298.

1. Who Can Use It: This Class Code applies to employees working at a job site where the iron or steel erection is taking place.  The duties of covered employees may include using a crane or boom, bolting, welding or riveting pre-fabricated structural pieces.  Code 5040 also includes erection of exterior balconies, fire escapes, staircases, and fireproof shutters on any type of structure.  In addition, the erection of iron or steel bridges and radio and television towers falls within this Class Code.
2. Pricing: For the 2011 policy year, NY Class Code 5040 experienced a substantial rate increase of 18.3 over the 2010 rates.
3. Who’s Writing this Coverage: NY State Insurance Fund has traditionally provided coverage for code 5040.  Contact us for several specialty carriers aggressively writing Class Code 5040.

Workers Comp Rates – Click Here

 

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NY Workers Comp Insurance Rates Class Code 5040 Steel Contractors Insurance Guide

Category: Contractors – Construction
SIC CODE: 1791 Structural Steel Erection
NAICS CODE: 238120 Structural Steel and Precast Concrete Contractors
238130 Framing Contractors

Suggested ISO General Liability Codes: 97652, 97654, 97655

Suggested Workers Compensation Codes: 5057, 5069, 5059, 5040

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Description of operations for Steel Erection Contractors

Steel erection contractors build, repair, or maintain the steel framework for buildings and other structures, including high-rise apartments and offices, industrial complexes, and warehouse buildings. Much of their work is structural and load-bearing. The hazards vary considerably depending on the size of the job and the number of stories. While steel is flexible, it can corrode in humid climates and can lose strength at high temperatures, which could result in collapse. Operations may involve the use and placement of heavy steel girders and I-beams. These may be welded together or fastened with bolts or hot rivets.

Types of Steel Contractor Business Exposures that Need Insurance Coverage

1. Property exposures at the contractor’s own location are generally limited to those of an office, shop, and storage of materials, equipment, and vehicles. Ignition sources include electrical wiring, heating, and air conditioning systems. The exposure increases if fabrication, which includes cutting and welding, is done on premises. Welding involves the use of tanks of gases that must be stored and handled properly to avoid loss. The absence of basic controls such as chained storage in a cool area and the separation of welding from other operations may indicate a morale hazard. Some material may be stored but it is not susceptible to damage by fire or weather.
2. Crime exposure is from employee dishonesty. Background checks should be conducted prior to hiring any employee. All orders, billing, and disbursements must be handled as separate duties and annual external audits conducted. All items should be physically inventoried on a regular basis to prevent theft.
   Inland marine exposures include accounts receivable if the contractor bills customers for services, computers, contractors’ tools, and equipment, including scaffolding, hoists, and portable welders, goods in transit, installation exposure, and valuable papers and records for customers’ and suppliers’ information. The contractors’ equipment schedule can include large cranes used to put beams in place. Equipment and supplies are subject to drop and fall from heights, especially when lifting girders or beams above ground. Since any accident may trigger both the equipment and installation coverages, as well as possible third-party liability, many contractors prefer to hire a crane with a licensed operator.
3. Goods in transit consist of tools and equipment as well as materials owned by either the insured or the customer for installation at the job site. I-beams and girders are usually drop shipped to the site by the manufacturer. If the insure transports these, special equipment is necessary due to the length of the beams. Materials are not highly susceptible to damage in transit. An installation floater will be needed if the materials to be installed are delivered to the site in advance of the installation. Hazards to machinery, tools, or building materials left at job sites and awaiting installation include theft, vandalism, damage from wind and weather, and damage by employees of other contractors. Some construction supplies may be target items for theft by third parties or employees.
4. Premises liability exposures at the contractor’s office are generally limited due to lack of public access.
   At the job site, steel erection always involves work at heights. Persons and property may be injured by falling objects, especially when work is done near existing structures or residences. Pedestrians and vehicles must be protected from falling objects through barricades and netting. Welding, cutting, and riveting may cause fires or serious injuries to the public or other contractors’ employees. Repair and maintenance work may entail closing roads and redirecting traffic. Improper signage or barricading could result in a vehicle collision and catastrophic loss of life. Both the structure under construction and the equipment (such as cranes) may create an attractive nuisance hazard to children who enjoy climbing. All equipment must be disabled when not in operation to prevent untrained individuals from using it. Fencing must be in place with appropriate warning signs to prevent trespassing.
5. Completed operations liability exposure is potentially severe should a structure collapse due to the number of people who could be injured or killed and the potential for damage to the property of others. The designer and engineer of the project, the quality of materials, and the integrity of the completed structure are all critical. The absence of an aggressive quality control program that documents full compliance with all construction, material, and design specifications may indicate a morale hazard and make it impossible to defend against serious claims. Any changes made by the engineers and carried through in the design must be noted prior to implementation. Hazards may increase in the absence of proper record keeping of work orders and change orders, as well as inspection and signed approval of finished work by the customer.
6. Professional liability exposures may be serious if the insured does design work or alters plans.
7. Automobile exposures can be high due to the transport of girders, beams, equipment, machinery, and supplies to and from job sites. Drivers should be properly trained to prevent overturn and to navigate through high traffic areas. Serious property damage or injury to employees of other contractors, passing pedestrians, or motorists can arise during loading, transport, and unloading equipment and materials. Long drives with oversized equipment may lead to driver fatigue and resulting accidents.
   For long-term projects away from home base, personal use of company vehicles poses a concern. Similarly, employees may use their own vehicles on company business for long periods, especially to transport crews to the jobsite.
8. Workers compensation exposure can be severe. Erection work always involves work at heights, with danger from falls or from falling objects. Sudden changes in wind or weather can make hoists and scaffolding less safe. Lifting and back injuries, hernias, sprains, and strains can occur from loading or unloading machinery or setting up structural parts. Collapse of or overturn of equipment may result in severe injury or death from crushing or suffocation. Common hazards include slips and falls, foreign objects in the eye, hearing impairment from noise, cuts or puncture wounds, bites from insects or vermin, and exposure to pollutants.

• Minimum recommended coverage for Steel Erectors

  Business Personal Property, Employee Dishonesty, Accounts Receivable, Computers, Contractors’ Equipment and Tool Floaters, Goods in Transit, Valuable Papers and Records, General Liability, Employee Benefits Liability, Umbrella Liability, Business Automobile Liability and Physical Damage, Hired and Nonownership Auto Liability, Workers Compensation

• Other coverages to consider for Steel Companies:

  Building, Business Income with Extra Expense, Earthquake, Flood, Leasehold Interest, Real Property Legal Liability, Installation Floater, Cyberliability, Employment-related Practices Liability, Environmental Impairment Liability, Professional Liability, Stop Gap Liability, Unmanned Aerial Vehicles (UAV) (Drones)

NY Workers Comp Insurance Rates Class Code 5040 Steel Contractors

 

The post NY Workers Comp Insurance Rates Class Code 5040 Steel Contractors appeared first on Enforce Coverage Group.

NY Glass Merchants Workers Comp Rates Class Code 4130

If you’re not sure whether your glass operations classification codes for NY glass merchant workers comp rates, we’re here to help explain the difference between Code 4130 Glass Merchant and Code 5462 Glaziers. Please give us a call at 212-947-4298 to ensure you are using the right class code for your business. 

This post was originally published on July 27, 2011, and updated on June 14, 2020.

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NY Class Code –   4130 GLASS MERCHANT

Definition: NY Workers Comp Code 4130  applies to the daily operations of receiving, storing, and selling of glass.  Products such as window glass, plate glass, safety glass for automobiles, mirrors, and other types of glass.

1. Who Can Use It: This Class Code applies to employees located at glass merchant shops only.  Duties performed include buffing, polishing, beveling, grinding, and installing glass/mirrors into frames.  Employees engaged in the delivery and installation of glass products should be classified under class code 5462 – Glazier Away from Shop.
2. Pricing: Class Code for Glass Merchants has seen a small increase of 1.6% over 2010 rates
3. Who’s Writing this Coverage: Glass Merchants with strong safety programs have many carriers options. Contact us @ 212-947-4298 for competitive price quotes.

GLASS Manufacturers and Wholesalers

SIC CODE: 3211 Flat Glass
3221 Glass Containers
3231 Products of Purchased Glass

NAICS CODE: 327211 Flat Glass Manufacturing
327213 Glass Container Manufacturing
327215 Glass Product Manufacturing Made Of Purchased Glass
Suggested ISO General Liability Code: 54077
Suggested Workers Compensation Code: 4101, 4113, 4130 (Wholesalers)

Description of operations

Glass is manufactured by combining and mixing the raw materials, adding coloring and tints when necessary, then melting and releasing the molten glass into a float bath tank. It is then cooled within the tank and conveyed onto an area to be cut. The process is usually highly automated. The material combining and mixing is also an automated process to provide consistency and accuracy. The float baths can be very large — several hundred feet. Because of the size and the cost to heat and process, the operation is continual and not shut down until absolutely necessary.
Property exposures consist of high heat, the continual use of the machinery — which can cause wear and tear and malfunction — and the molten materials. All must be carefully controlled and monitored. Utility stoppage is a major concern because of the continual operation of the float baths.
Business income is high because once a system is shut down, it is a major operation to start it up again. Most of the machinery is tailor-made for each individual operation.

Business Insurance Types & NY Glass Merchants Workers Comp Rates

Premises liability exposures are moderate as long as the premises has controlled access, especially to the processing areas. These facilities are popular for tour groups which can add to the exposure. The storage of large quantities of raw materials such as silica, plus recycled salvage can produce attractive nuisance hazards. Fencing is important to deter young trespassers.

Products liability exposure is low to moderate as long as good quality control is in place and cracks, and checks are conducted to detect blemishes or other defects. Bulletproof glass and similar special-purpose glass would raise product liability exposure.

Environmental impairment is moderate to high. Both the vapors and pollutants that can be released into the air are noxious and hazardous, as are the waste materials. These chemicals should be handled by qualified, licensed material waste handlers. All aspects of pollution should be reviewed.

Automobile exposure may be light to moderate. Transport of finished goods is normally not a high concern and is often 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.
Workers’ compensation exposures come from the maintenance of the machinery, burns from the heat, and exposure to silica dust. The crushing and recycling of defective glass add to flying glass shards thus requiring eye protection. The industry is highly mechanized and employees are not exposed as they were at one time. The major concern would come with any machine problems that require manual intervention.

Minimum recommended coverage

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.

Other coverages to consider

Business Auto Liability and Physical Damage, Employment Related Practices

To learn about the latest NY Glass Merchants Workers Comp Rates, give Enforce Coverage Group a call.

 

NY Glass Merchants Workers Comp Rates

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Class Code 5462 Workers Comp for Glaziers

This post was originally published on July 21, 2011, and updated on June 12, 2020.

Class Code 5462 Workers Comp for Glaziers

• Definition: Glaziers Rate Code 5462 applies to glass merchants employees engaged in the delivery and installation of plate glass windows, storefronts replacement of glass, or mirrors away from glass merchant shop.
• Pricing: Code 5462 Glazier – Away from Shop & Drivers has seen a steep increase this year of 34.5% (2011)
• Who’s Writing this Coverage: Most NYS Glaziers think the NY State Insurance Fund is their only option, however a few specialty carriers will writer WC Code 5462 if the business has a favorable loss history.
• Who Can Use It: NY Glazier contractors involved in installation or NY Workers Compensation Rates, Code 8232 Building Materials

Workers Comp Code 5462 also encompasses the installation or replacement of window glass in houses and commercial buildings (regardless of height).

Contact Us For New Rates on workers comp for glaziers and glass contractors at 212-947-4298.

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GLAZIERS
Category: Service Businesses

SIC CODE: 1793 Glass and Glazing Work
NAICS CODE: 238150 Glass and Glazing Contractors
Suggested ISO General Liability Code: 13590
Suggested Workers Compensation Code: 5462

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Description of operations

Glaziers install and repair plate glass, glass block, and related products, such as mirror and Plexiglas. Their primary work is on exterior glass, but they may also install and repair interior plates and mirrors. They frequently offer repair and replacement services. They also may be involved in art or stained glass manufacture or restoration, lead glass manufacture, or glass blowing operations.

Typically, the glazier measures the window openings, obtains the materials from a supplier, and returns to complete the installation. Plate glass must be cut to size and the edge sanded, fitted into the frame, secured with glazier’s points (small metal clips), and sealed with an adhesive. Specialty glass, such as insulated or security glass, must be ordered to size since it normally cannot be cut.

Types of Business Insurance for Glaziers

Property exposures consist of office operation and material, equipment, and vehicle storage. Combustibles include the packing and wrapping materials used to package and protect the glass. Ignition sources include electric wiring and equipment, welding operations (if cutting and welding are done on-premises), and chemicals and flammables used to cut, polish, laminate, tint, or bend the glass. These operations should be conducted separately from storage areas.

Crime exposure is primarily from employee dishonesty and theft of money and securities. Lack of control over pre-employment background screening and separation of duties increases the exposure.

Inland marine exposure is from accounts receivable, contractors’ tools, goods in transit, and valuable papers and records. Glass plate is highly susceptible to breakage, scratching and marring. Drivers must be trained in proper loading and tie-down of the glass since any loss is likely to be a total loss. Contractors’ tools, including employees’ tools, are generally specialized for glass cutting and installation.

Premises liability exposures are limited due to a lack of public access to the premises. Off-premises exposures at the job site can result in bodily injury to customers, passersby, and employees of other contractors or property damage to property of others, especially if the glass is installed above ground level. Hazards include falling tools, glass, or other items.

Products liability exposure may result from faulty installation or faulty fabrication of the glass. The severity potential increases with the height of the exterior installation.

Automobile exposures are high due to the pickup and delivery of glass and large plates. The transport vehicle is of an unusual design so training in the handling of the vehicle is important. Any emergency repair services offered may result in time pressures, as well as travel in unfamiliar areas. Age, training, experience, and records of the drivers, as well as age, condition, and maintenance of the vehicles, are all important items to consider.

Workers comp for Glaziers exposures arise most often from cuts, which can happen throughout the entire glazing process. Burns and welding exposures may also occur while cutting glass. Installation exposures are light for interior work, although strains and even repetitive motion injuries are possible. With work at heights, the hazards can be severe. Any time work is done on ladders and scaffolds, there is a potential for injury from falling or being struck by falling objects. Back injury, hernia, and other lifting losses may result. Eye injuries and exposure to dust and chips during cutting are common. Experience, training, and use of protective equipment are all items to evaluate.

Minimum recommended insurance coverage for Glaziers

Business Personal Property, Employee Dishonesty, Money and Securities, Accounts Receivable, Contractors’ Tools and Equipment, Goods in Transit, Valuable Papers and Records, General Liability, Employee Benefits Liability, Umbrella Liability, Automobile Liability and Physical Damage, Hired and Nonownership Auto Liability, Workers Compensation.

Other coverages to consider:

Employment-related Practices Liability, Stop Gap Liability

workers comp for glaziers NY

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NY Workers Comp Rates For Restaurants Class Code 9071

New York workers comp class code 9071 applies to full-service restaurants, buffet-type establishments, banquet halls, cafes, diners, and other food establishments that provide wait service. Our NY guide to workers comp rates for restaurants details everything restaurant and foodservice establishments need to know about workers comp and other insurance lines important to protecting their businesses.

One of the biggest challenges restaurants face is the classification of the owner or partners. Since the owner or partners are usually the executive chefs or maitre d’, they are automatically placed in the predominate class code 9071.  If the entity is a corporation  NY Workers Comp allows 2 executives or less to exclude the executive officers. If the establishment is an LLC the members or partners are automatically excluded unless requested to be covered under the policy.

All other States use 9079; however, NY State Workers Comp Board uses 9071 for Full-Service Restaurant and 9072 for Fast Food establishments workers comp coverage. The rate is the same for the class although they are different codes. This classification is all-inclusive, which means that it applies to all restaurant employees regardless of the job function. Clerical employees can be classed in 8810 as long as the office is separated from the restaurant.

Manhattan Workers Comp rates for restaurants have been challenging to place do to carriers shying away from the terrorism risks involved in the ground floor and storefront establishments. Delivery also poses an additional risk.

NY Workers Comp Rates For Restaurants Class Code 9071 Guide

Category: Eating and Drinking Places

SIC CODE: 5812 Eating Places

NAICS CODE: 722511 Full Service Restaurant

Suggested ISO General Liability Codes: 16900, 16901, 16902, 16910, 16911, 16915, 16916, 16920, 16921, 16930, 16931, 16940, 16941

Suggested Workers Compensation Code: 9082, 9083, 9084

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Description of operations:

Restaurants serve a full menu of food items that are served by a waitperson and consumed on the premises. They may serve beer, wine, or other alcoholic beverages. Others offer take-out or delivery services. A restaurant may specialize in a specific type of cuisine or may serve a general menu. Some entertain customers with contests, music, or other live entertainment, or promotions such as “happy hour” with discounts available during non-peak hours. Some have small dance floors.

Types of Insurance Important to Consider for Restaurant and Food Operations

1. Property exposures are substantial from cooking equipment, electrical wiring, refrigeration units, and heating and air conditioning systems. All wiring should be current, up to code, and well maintained. All grills and deep fat fryers must have automatic fire extinguishing protection, hoods, and filters. There should be fuel shut-offs and adequate hand-held fire extinguishers. The kitchen must be kept clean and grease-free to prevent the spread of fire. Filters should be changed frequently. Ammonia used in refrigeration units can explode. Spoilage exposure is very high. A small fire or a power outage of even moderate duration can cause all fresh and frozen goods to be condemned as unfit for consumption or sale due to the potential for contamination. If alcoholic beverages are served, the liquor should be stored in areas inaccessible to customers. Business income with extended time period coverage should be purchased. Losses can be minimized if there is an alternative location to continue operations and not lose customers. Returning to normal operations after a loss is difficult due to the lag time between reopening and returning to full income as regular customers may have moved to a new “favorite” restaurant.
2. Equipment breakdown exposures can be high as operations are dependent on refrigeration and cooking equipment.
3. Crime exposures are from employee dishonesty and money and securities. Criminal background checks should be conducted on any employee handling money. If the restaurant uses expensive cuts of meat or serves alcohol, theft of stock could be a problem. Cash receipts may be high. There must be consistent rules on cash drawer management and job assignments. Money should be regularly stripped from the cash drawer and irregular drops made to the bank during the day to prevent a substantial accumulation of cash. Closing time is the most vulnerable time so security procedures should be in place to prevent hold-ups. There must be a separation of duties between employees handling deposits and disbursements and reconciling bank statements.
4. Inland marine exposures include accounts receivables if the restaurant offers credit to customers, computers for tracking inventories and payrolls, and valuable papers and records for supplier and employee information. Duplicates of all records should be kept off-site. Cash registers, cooking equipment, and office equipment may have computer applications. There may be a bailees exposure from offering coat check services to customers or from storing entertainers’ property. Some establishments will have paintings, statues, or other fine arts on-premises.
5. Premises liability exposures are high due to public access to the premises. Serving of alcoholic beverages can impair customers’ motor abilities and increase the likelihood of trips, slips, or falls. Servers move throughout the premises with trays of food and beverages, generating spills that can result in slips and falls. Spills should be cleaned up promptly. Temperatures of hot beverages must be limited to reduce injuries due to scalding. Lists of ingredients should be posted to prevent allergic reactions. Customers may become ill from ingesting contaminated food or beverages. Cleanliness standards must be monitored. Floor coverings must be in good condition with no frayed or worn spots on carpet and no cracks or holes in flooring. Dance floors must be clean, smooth, and free of debris. Steps and uneven floor surfaces should be prominently marked. All fire exits should be plainly visible from any part of the premises and kept unlocked from the inside during business hours. Backup lighting should be automatically activated in the event of a power outage. 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. Outdoor security and lighting must be consistent with the area. All employees must be instructed in proper customer handling, including how to deal with disgruntled or intoxicated customers.
6. Products liability exposure is due to food poisoning, contamination, and allergic reactions from food and beverages carried off premises for consumption. Monitoring the quality of food received, posting lists of ingredients, and maintaining proper storage temperature can reduce this exposure.
7. Liquor liability exposure can be very high in states that hold restaurants liable for injuries resulting from alcohol consumption. The type and amount of alcohol served, and the type of clientele directly impact this exposure. Failure to comply with state and federal regulations can result in the loss of a liquor permit. There must be a set procedure to check the ages of anyone attempting to purchase alcohol, as well as monitoring so customers purchasing alcoholic beverages do not then give them to patrons who are underage or intoxicated. All employees who serve alcohol should be trained in recognizing signs of intoxication. A procedure should be in place to deny serving underage or intoxicated patrons. Programs that encourage designated drivers or offer free taxi service can be useful.
8. Automobile exposure may be limited to hired or nonownership liability exposures from employees running errands. If the restaurant offers delivery services, all drivers must have appropriate licenses and acceptable MVRs. Company vehicles should be used for all deliveries. Maintenance should be documented. If employees use their own vehicles, the vehicles should be checked for maintenance and upkeep. Because most personal auto policies do not provide coverage when the vehicle is used for commercial purposes, requiring proof of insurance will be of little assistance. If the restaurant offers valet parking, garagekeepers coverage should be purchased to cover damage to customers’ vehicles. MVRs and driving records should be obtained for any employee driving or parking customers’ vehicles. If valet parking services are contracted to another firm, the restaurant should be named as an additional insured on the contractor’s policy.
9. Workers comp rates for restaurants – potential exposures come from slips, falls, cuts, puncture wounds, burns, foreign objects in the eye, hearing impairment from noise, heavy and awkward lifting, and interactions with customers. Employees must be trained on the carrying of heavy dishes between the kitchen and the serving areas. Food and beverage handling can result in passing bacteria or viruses, resulting in illness. While smoking is prohibited in bars in many states, others still permit this. In those states, workers can incur occupational disease from the ongoing inhalation of secondhand smoke. As with all retail businesses, hold-ups are possible, so employees should be trained to respond in a prescribed manner. Cleaning workers can develop respiratory ailments or contact dermatitis from working with chemicals. The employees in many restaurants tend to be minimum wage and turnover may be high. Company incentives to encourage long-term employment are positive signs of management control.

Minimum recommended coverage for Restaurants:

Business Personal Property, Business Income, and Extra Expense, Spoilage, Equipment Breakdown, Employee Dishonesty, Money and Securities, Computers, Valuable Papers and Records, General Liability, Employee Benefits, Umbrella, Hired and Nonownership Auto, Workers Compensation

Other coverages to consider:

Building, Earthquake, Flood, Leasehold Interest, Real Property Legal Liability, Accounts Receivables, Bailees Customers, Fine Arts, Cyberliability, Employment-related Practices, Environmental Impairment, Liquor Liability, Business Automobile Liability and Physical Damage, Garagekeepers, Stop Gap Liability

NY workers comp rates for restaurants

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New York Carpenters Workers Comp Audit for Class Code 5645

Summary New York Carpenters Workers Comp Audit Preparation

I sat in on an audit with a  Contractor client of mine with Class Code 5645 Carpentry- detached one-or two-family dwellings; 5190 Electrical Wiring within Buildings and 5445 Sheet Rock installation-within buildings & drivers.

This Contractor usually shuttered at the thought of his annual NY State Workers Comp Audit. NY Work Comp Law requires each insured to complete an annual audit where the estimated payroll is trued up with the payroll tax return where the actual payroll is determined. If the payroll was higher than the estimate the insured gets a bill for the difference. If the payroll was lower than estimated then the insured gets money back. And if you are a contractor the dreaded bill for uninsured subcontractors can be scary.

This client had no need to sweat this audit because he was prepared. He had each employee listed with their job description along with their annual payroll. He had a spreadsheet available will all payments to the subcontractors along with the corresponding certificates of insurance.

The end result was that the auditor was there for 20 minutes.  Past audits for the same contractor had taken 1-2 hours. The less the auditor had to look for the less he dug. There was no additional premium. The auditor was happy because his job was easy and the client was satisfied because he didn’t receive a bill.

Contractors Work Comp audits don’t have to be a nightmare. Be prepared and ask your agent for help. For rate information and class code descriptions for New York Carpenters Workers Comp or other construction industry services, call Enforce Coverage Group.

NY Carpenters Workers Comp

SIC CODE: 1751 Carpentry Work
NAICS CODE: 23551 Carpentry Contractors
Suggested ISO General Liability Codes: 91340, 91341, 91342
Suggested Workers Compensation Codes: 5645, 5651, 5437, 5403

Description of Carpentry Operations for Workers Comp Insurance

Carpenters may be interior only, exterior only, or both. Exterior carpenters can do framing work, such as the building of the structural support frame for a building or structure. Interior carpentry is normally concerned with remodeling, repair, or finishing of a building or structure which may include window and doorframes, floors, stairs, or other built-in cabinets and shelving.

Property exposures at the carpenter’s own location usually consist of office operation, material, equipment, and vehicle storage. If the carpenter does woodworking at his shop, there is a heavy fire exposure. A careful review of the dust collection system, as well as separation and storage of flammable varnishes and glues, are mandatory. Some carpenters may have lumber exposure on-premises. The more lumber on-site, the higher potential for loss, so review should be based on the amount of storage and method. Often three-sided structures are used, which have a high potential for wind damage.

Inland marine exposures center on the items being transported to and from the job site. Carpentry equipment is not bulky, but if woodworking is done at the shop and then transported, there can be a significant exposure. Also, if there are lumber storage and transport in the business operations, there can be oversized loads. Lumber tends to shift so training in proper loading and tie-down is vital. Further equipment exposures develop from the actual use during construction. Is the equipment being used as it was designed to be used? Is the equipment’s load capacity routinely exceeded?

Equipment may be subject to drop and fall from heights or being struck by other vehicles. If equipment and supplies are left at job sites, what types of crime and vandalism protection are in place? What controls are used?

Premises liability must be taken into consideration. The on-premises exposure is light unless there is woodworking and/lumber storage. With outdoor storage comes vandalism and attractive nuisance exposures that must be protected against. The fire hazard to the insured also brings potential danger to neighbors, so controls in waste collection and fire control are important to protect the neighbors. Off-premises exposures include the use of saws around the work area and the need to keep visitors out of the way. If doing carpentry in existing structures, the insured must be careful about dust collection and scrap removal to prevent fire damage.

Completed operations are an important exposure. The carpenter provides the framework upon which others build. Quality control and full compliance with all construction, material, and design specifications are necessary.

Automobile exposures are limited unless there is the transport of lumber and pre-made items. Proper loading and tie-down are vital to prevent shifting and possibly falling from the vehicle. Age, training, experience, and drivers’ records, as well as the age, condition, and maintenance of the vehicles, are all important items to consider.

Workers’ compensation losses tend to be related more to the saws and nails than any other. Although the accident may be frequent, the exposure is relatively light. Properly installed guards, steel-toed shoes and eye protection are the minimum safety equipment that is required for any carpenter. Adequate supervision is essential to keep everyone safe on the job.

Attaching nail to wood is common to all carpenters; however, the exposure will vary based on the size of the job. The loss potential is very easily controlled and managed with common-sense safety measures and attention to the job.

Minimum recommended coverage:
Business Personal Property, Contractors’ Equipment, Employee Dishonesty, General Liability, Employee Benefits, Umbrella, Automobile Liability and Physical Damage, Hired and Nonownership Auto, Workers Compensation

Other coverages to consider:
Building, Business Income with Extra Expense, Accounts Receivables, Computers, Goods in Transit, Installation Floater, Employment Related Practices, Directors and Officers – for profit, Stop Gap Liability, Federal Employer Workers Compensation

New York Carpenters Workers Comp, Class Code 5645

 

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