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We have all seen the solicitations from ADP, PayChex and the like relating to linking your workers compensation insurance to your payroll system. While I do not dispute the immediate benefit of such an arrangement, in most instances the cost / benefit analysis reveals that the costs are significantly higher for most businesses.

Protecting Your Employees and Your Business

Posted: 8/13/2012 8:15:00 AM
Does your business have the proper amount of workers’ compensation? Unless you are eligible for a legal exception, all businesses in New York State are required to carry this type of insurance. It is designed to kick in after an accident on the job to cover the expenses related to necessary medical care for the injured employee. It also covers the wages lost by the injured worker. If an accident results in death, it could also pay the families of the deceased death benefits.

Met Risk Lacrosse Team Plays For Charity

Posted: 8/1/2012 7:40:00 AM

Here's the Met Risk sponsored lacrosse team at the Glastonbury Lacrosse Tournament that took place July 21st & 22nd! Proceeds benefited the National Multiple Sclerosis Society.

Workplace Accidents: Are Your Employees Safe?

Posted: 7/30/2012 1:15:00 PM
New York State is home to a wide range of industries, from retail to construction. All workers, no matter how safe their occupations appear, are at risk of being injured on the job. This is one of the reasons workers’ compensation is required for the majority of businesses. This insurance helps cover the various expenses related to workplace accidents, such as medical visits, prescriptions, and lost wages.

Fire Drills with Children

Posted: 7/24/2012 8:35:00 AM

Disasters could occur anywhere, even at childcare facilities. You must obtain a comprehensive insurance policy before you open the doors of your day care facility to welcome in the little ones. Failing to do so could lead to undue financial burden for your business, if something unexpected were to happen. In addition, you should also take the time for the appropriate disaster preparedness tasks. This should include training the kids in your care to evacuate safely in the event of a fire.

As a childcare provider, you are responsible for every kid left under your care. Day care insurance is an essential part of protecting your assets if something were to go wrong on the premises. A common reason behind injuries at day cares is children fighting. There are ways to prevent or limit the severity of disagreements between your charges.

Which Toys are Safest at Daycare?

Posted: 7/9/2012 1:40:00 AM

When you are providing day care for young children, safety must always be of paramount concern. There can be few greater responsibilities than looking after someone else’s child or children. You’ll want to do all you can to avoid having any safety issues, and make sure you’re protected with day care insurance.

Workers Compensation: Who Needs It?

Posted: 7/2/2012 2:20:00 PM

The New York workers compensation insurance law requires the majority of employers to have appropriate workers comp insurance coverage in place. However, there are three key exemptions.

New York workers compensation insurance is mandatory to help cover employees who are injured while on the job. Many businesses make the mistake of not obtaining the proper insurance because they do not believe their property hosts any hazards. But your employees could be at more risk that you believe.

Hiring Practices To Help Prevent Child Abuse

Posted: 6/18/2012 3:15:00 PM

Are you considering opening a home day care? It could be a very rewarding experience. Many mothers and fathers wish they were able to keep their kids with them instead of handing the job of raising their kids to a complete stranger and there may be many things you could do to ease their sense of worry. One is to obtain day care insurance, which may help reassure would-be clients that you take your business seriously. Another is putting the necessary effort into choosing the best employees to ensure the children left in your care are safe.

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