NY Workers Comp Code 4829 Chemical Manufacturing Rates – NYC, New Jersey, Pennsylvania and ConnecticutDescription: Code 4829 is applied to the manufacture of products requiring a chemical conversion which means any process in which the substances used in the manufacturing process undergoes a molecular change in composition. Some but not all the processes are: alcoholysis; alkylation; amination; calcination; carboxylation; compression of gases; distillation; esterification; halogenation; nitration; oxidation; reduction; sulphonation. The difference between Code 4828 which is the chemical blending or mixing for employers engaged in compounding, blending, mixing, bottling, and packaging chemicals which are not otherwise classified. Code 4829 is distinguished from that code by the fact that employers that qualify for code 4828 do not manufacture any of the ingredients they compound, blend, mix, bottle or package. Materials Used: Chemicals, chemical mixing equipment, all manor of chemical manufacturing equipment. NY Workers Comp Code 4829 Chemical Manufacturing Rates Pricing: Solid companies with a good loss history can obtain better than average pricing on NY Workers compensation rates. Potential Environmental and Regulatory Liabilities at Chemical Manufacturing FacilitiesThe most common environmental and regulatory exposures at chemical manufacturing plants include: • Uncontained floor drains around the plant site, both inside and outside buildings, which make spill control difficult. This is not an exhaustive list of environmental exposures. It represents the most common environmental exposures for Chemical Manufacturing Facilities. The post NY Workers Comp Code 4829 Chemical Manufacturing Rates appeared first on Enforce Coverage Group. via Blogger NY Workers Comp Code 4829 Chemical Manufacturing Rates
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NY Workers Comp Code 4829 Chemical Manufacturing Rates – NYC, New Jersey, Pennsylvania and ConnecticutDescription: Code 4829 is applied to the manufacture of products requiring a chemical conversion which means any process in which the substances used in the manufacturing process undergoes a molecular change in composition. Some but not all the processes are: alcoholysis; alkylation; amination; calcination; carboxylation; compression of gases; distillation; esterification; halogenation; nitration; oxidation; reduction; sulphonation. The difference between Code 4828 which is the chemical blending or mixing for employers engaged in compounding, blending, mixing, bottling, and packaging chemicals which are not otherwise classified. Code 4829 is distinguished from that code by the fact that employers that qualify for code 4828 do not manufacture any of the ingredients they compound, blend, mix, bottle or package. Materials Used: Chemicals, chemical mixing equipment, all manor of chemical manufacturing equipment. NY Workers Comp Code 4829 Chemical Manufacturing Rates Pricing: Solid companies with a good loss history can obtain better than average pricing on NY Workers compensation rates. Potential Environmental and Regulatory Liabilities at Chemical Manufacturing FacilitiesThe most common environmental and regulatory exposures at chemical manufacturing plants include: • Uncontained floor drains around the plant site, both inside and outside buildings, which make spill control difficult. This is not an exhaustive list of environmental exposures. It represents the most common environmental exposures for Chemical Manufacturing Facilities. The post NY Workers Comp Code 4829 Chemical Manufacturing Rates appeared first on Enforce Coverage Group. via Tumblr NY Workers Comp Code 4829 Chemical Manufacturing Rates 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 StorageDescription: 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. GENERAL MERCHANDISE STORAGE FACILITIES 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. 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.
The post NY Workers Comp Insurance for Warehouse Storage Class Code 8292 appeared first on Enforce Coverage Group. via Blogger 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 StorageDescription: 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. GENERAL MERCHANDISE STORAGE FACILITIES 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. 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. The post NY Workers Comp Insurance for Warehouse Storage Class Code 8292 appeared first on Enforce Coverage Group. via Tumblr NY Workers Comp Insurance for Warehouse Storage Class Code 8292 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 5507Description: 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. ROAD CONTRACTORS 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. 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: Other coverages to consider: 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. via Blogger 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 5507Description: 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. ROAD CONTRACTORS 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. 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: Other coverages to consider: 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. via Tumblr New York Workers Comp Insurance for Road Construction Class Code 5507 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. NYS Workers Comp Code 0042 Landscape Gardening & Drivers GuideLANDSCAPE CONTRACTORS 0782 Lawn and Garden Services 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: Other coverages to consider: 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! The post NYS Workers Comp Code 0042 Landscape Gardening & Drivers Guide appeared first on Enforce Coverage Group. via Blogger 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. NYS Workers Comp Code 0042 Landscape Gardening & Drivers GuideLANDSCAPE CONTRACTORS 0782 Lawn and Garden Services 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: Other coverages to consider: 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! The post NYS Workers Comp Code 0042 Landscape Gardening & Drivers Guide appeared first on Enforce Coverage Group. via Tumblr NYS Workers Comp Code 0042 Landscape Gardening & Drivers Guide NYS Workers Comp Code 5102 Door and Window installationDescription: 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. DOOR AND WINDOW INSTALLERS 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: 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. via Blogger NYS Workers Comp Code 5102 Door and Window Installation NYS Workers Comp Code 5102 Door and Window installationDescription: 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. DOOR AND WINDOW INSTALLERS 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: 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. via Tumblr NYS Workers Comp Code 5102 Door and Window Installation |
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