What’s the difference between workers’ comp and a third-party claim?

Workplace injuries are a common occurrence across the state of New York. In 2018, the Bureau of Labor Statistics recorded 80,200 severe workplace injury and illness cases among private employers. That means they involved days away from work, a transfer or restrictions. Goods-producing businesses, such as in construction or natural resources, saw fairly high rates of these severe injuries. When a workplace injury leaves an individual with expensive medical bills and impacts their ability to earn a living, what options might they have for...

Top parking lot hazards where businesses are held liable

People may know that someone who slips and falls on a business premises can hold that business liable for injuries. But what people may not know is that premises safety and liability extend much further. Parking lot security – Security in parking lots could include multiple things such as cameras, good lighting, emergency phones and security guards either patrolling the lot or offering to escort people to their cars. Poor lighting – This goes along with security issues. Poor lighting could be an invitation to criminals that this location...

When are you liable for injuries on your property?

Most homeowners understand they need to keep their property safe for guests. But sometimes people enter your property because they are attracted by features that look appealing. These visitors may be children who don’t understand the inherent risks of property or they could be trespassers. The insurance term for potential problematic things that attract people onto your property is attractive nuisance. What is an attractive nuisance? An attractive nuisance is an insurance term meaning something on someone’s property that may attract kids but...

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