Do remote or out-of-state employees matter?
Yes. Tell Cory where employees regularly work, where they travel for assignments, and where you plan to hire. A policy written around one location should not be assumed to address every new state. Confirm the appropriate state arrangements and notices before expanding the workforce.
How do payroll and classifications affect the review?
Prepare payroll estimates by employee duty and location, and identify expected hiring or seasonal changes. Ask about classifications, audit requirements, and how changes should be reported. Where an experience modification applies, bring the available information for review. Accurate records help make the insurance discussion more useful.
Is workers’ comp the same as employment practices liability?
No. Workers’ compensation focuses on qualifying work-related injuries or illnesses. Employment practices liability addresses different allegations involving the employment relationship, such as discrimination or wrongful termination, subject to its terms. Consider the two within the overall program rather than expecting one to substitute for the other.
What about employers liability and contractors?
Ask how employers liability fits within the proposed arrangement and what limits apply. Explain use of staffing firms, leased employees, and subcontractors, with the relevant agreements. Calling someone an independent contractor does not by itself resolve every insurance or legal classification question. Requirements need review for the actual relationship and jurisdiction.
What information should we prepare?
Start with your website, employee duties, locations, approximate payroll, current policy, and renewal date. Additional underwriting may involve loss history, safety practices, classification details, and audit records. Share a new hiring or contract deadline early. Use an appropriate channel for detailed records rather than the public inquiry form.
Related coverage guides
Hiring, changing duties, or adding a work location?
Share your workforce changes, work locations, and renewal timing. Cory will follow up to discuss the business and the information needed for the next step.
Request an insurance review with Cory or call 845-721-0744.
Preparing for the conversation? Download the business insurance review checklist (PDF). No signup required.
Practical reading before your next decision
Explore all business insurance resources
Submitting an inquiry does not bind, amend, or cancel coverage. Coverage availability and terms depend on underwriting and the policy issued.
Further reading: Coverage background.
