maddytomkos

Question: “What are the rules for Workers’ Compensation when a New York employee has a temporary project in another state? I always try to list states under Item 3.C. in…

Question: “Can an employee who gets injured while driving to or from work collect Workers’ Compensation benefits?” Answer: Unless a drive involves an employment-related errand, generally no. To be compensable,…

Question: “Will a New York State personal auto policy extend to a rental car rented in the U.S. Virgin Islands?” Answer: For most coverages that are mandatory in New York,…

Question: “Does New York State require us to maintain signed applications in our management system, specifically for the companies that allow e-signatures from their websites?” Answer: New York State insurance…

Question: “What types of commercial properties have to be specifically rated by the Insurance Services Office (ISO), and which are eligible for the class loss costs found in the manual?”…

Question: “Suppose I was going to sell insurance to customers for a niche market product, and I wanted to start a trade association. These customers could pay annual membership dues…

Question: “Must we complete the New York Anti-Arson Application for improvements/betterments in a restaurant?” Answer: I believe you do. The application is required by Section 3403 of the New York…

Question: “A situation came up recently with one of your clients. They have entered into a contract and are required to provide a Waiver of Subrogation for the Workers’ Compensation…

Question: “We had an insurer cancel a Free Trade Zone policy mid-term. The reason for cancellation was noncompliance with inspection safety recommendations. Per the attached notice, they relied on New…

Question: “What is the law regarding conditional renewal notices sent out on Homeowners policies that will be renewing with increases? Specifically, 25% or more?” Answer: New York law does not…