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Communications Help for Loved Ones of Disaster Victims

The flood insurance NY householders and business owners can purchase provides financial protection from the effects of flooding. The American Red Cross is well-known for its humanitarian work in caring for the victims of floods, and other disasters that affect families, communities and even entire regions of the United States. In 2011, the American Red Cross responded to 2,398 emergency incidents in the Greater New York Region, and provided shelter, food and emotional support to 11,054 adults and children.

Another important initiative of the American Red Cross is its Safe and Well program. This program has a public website that makes communication much easier when a community has been affected by like disasters such as wildfires, tornadoes and floods. People displaced from their homes by a disastrous event register themselves as safe and well on the website, and families and friends who are concerned about their welfare can visit the website to search for messages.

By purchasing flood insurance NY, residents and business owners may be spared from the financial consequences of a flood. The American Red Cross Safe and Well program also helps to mitigate the effects of floods and other community disasters by providing a way for disaster victims to reassure their families and friends who are concerned about their welfare.


What Is Workers Compensation?

As the owner of a new micro business, you may not be familiar with some of the complexities of workers compensation insurance, which is a mandatory requirement for all New York State businesses that employ one or more workers. Workers compensation insurance is a no-fault program for work-related injury, providing workers with financial protection, and employers with some protection from legal proceedings initiated by workers.

It’s also important to remember that workers compensation covers more than injuries resulting from accidents. It can provide compensation for illnesses and disorders that may develop over time, such as back problems, repetitive strain injuries, and stress-related conditions that might develop as a result of work activity.

Workers compensation benefits are determined by a state formula, and may include payment of medical expenses, time off, and replacement of lost wages. Hiring the first employee is a milestone in the history of your micro business, and is likely to mean a significant investment in equipment for your new recruit, as well as ongoing costs for wages and insurance.

Workers compensation insurance premiums are partially influenced by the workers compensation claims history of a business, so it makes sense to keep future costs down by eliminating any hazards in your workplace that could cause an injury. Call us if you’d like to discuss your options for workers compensation insurance for your small business.


Train Office Workers In Safe Lifting Techniques

The workers compensation New York employers carry provides protection for both staff and employers. It helps to financially provide for workers who are injured on the job, and gives employers protection from compensation bills they may not otherwise be able to pay.

Back pain and back injuries are the cause of many workers’ compensation claims. Blue-collar employees whose work involves frequent lifting and carrying need to be trained in safe lifting techniques to avoid the risk of industrial injury. Office workers may not have the same exposure to back injury as manual workers, but it’s important for them to be aware of safe working practices when lifting and carrying. To remind all workers about safe lifting, safety-conscious employers might consider displaying posters with recommendations like these:

• Stand with feet shoulder width apart to provide stability and balance.

• Keep your back straight, and bend at your knees so that the lifting work is done by your strong leg muscles.

• Grasp the object you are lifting firmly with both hands.

• Hold the object close to your body as you lift.

• Avoid twisting when you lift – keep your torso, knees and feet pointing in the same direction.

Educating workers in safe lifting practices may reduce the incidence of back injuries and claims for workers compensation. New York employers who want to promote workplace safety may wish to consider displaying posters as constant reminders about safe work practices.


The Cost of Flooding goes beyond Property Damage

As a business owner in New York State, it’s essential to be aware of the risk of flooding, and what impact a flood would have on your enterprise. Flooding, whether brought about by coastal storms or by heavy rainfall, can cause significant property damage, as well as disrupting day-to-day business operations. You might not realize that your business insurance doesn’t generally cover damage or loss as a result of a flood.

A flood can force a business to close while the premises are pumped out, sanitized, and dried out. Other practical difficulties that can arise after flooding include unavailability of key workers who have been personally affected by flooding at their homes, and delays in having building repairs completed because of a sudden spike in demand for contractors’ services. There may also be delays in obtaining replacements for equipment and inventory lost in the flood.

Flood insurance is available as a separate policy to your general business insurance. Your business premises don’t have to be located in a flood prone area of the state to be at risk of flooding. Having flood insurance in place can mean getting back up running faster in the event a flash flood damages or destroys your building or equipment.