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The world of contracting isn’t for the faint of heart. It’s a business built on hard work, long hours, sharp problem-solving, and even sharper pencils when it comes to estimates. Whether you run a one-man handyman shop or a full-service construction firm, there’s a certain code you’ve got to live by if you want to

What Does It Cover? New York State Disability Insurance (DBL) provides partial wage replacement to employees who are unable to work due to an off-the-job injury or illness. It also covers disabilities arising from pregnancy and childbirth. This is a short-term disability benefit designed to help bridge the income gap when an employee cannot perform

Introduction: Why Workers Compensation Insurance Matters Whether you’re a small business owner or managing a large workforce, having a reliable workers compensation insurance policy is not just a legal requirement—it’s a vital part of protecting your employees and your business. Accidents happen, and when they do, the right workers compensation insurance provider can mean the

If you’re a contractor working in New York, you’ve likely heard about the infamous Labor Law 240 and 241 — statutes that can make contractors liable for certain worker injuries, even if they weren’t negligent. As a result, many general liability policies in New York specifically exclude Labor Law claims unless special coverage is purchased.

If you’re a New York contractor, understanding the implications of Labor Law 240 and 241 is essential—not just for compliance, but to protect your business from devastating financial losses. Whether you’re a general contractor, subcontractor, or construction business owner, these laws can create major legal liabilities if you’re not properly insured. In this article, we’ll

Learn about the unique risks contractors face and the importance of having tailored insurance coverage. Find out how to get the right contractor insurance near you.