Hurricane Florence – North Carolina Recovery Fast-Start Worker’s Comp Program

Hurricane Florence Recovery Could Take Years – North Carolina Worker’s Comp Insurance & FEMA Compliance Fast Start Program

Reconstruction costs  for North Carolina are now expected to be billions of dollars. There is a huge need for contractors and roofers to get to work. In North Carolina, however, you must have your regulatory ducks in a row or it can costs you everything!

You cannot work in North Carolina to help in the hurricane recovery or any other time with worker’s comp insurance!

An employer is not relieved of its liability under the Act by calling its employees “independent contractors.” Even if the employer refers to its workers as independent contractors and issues a Form 1099 for tax purposes, the Industrial Commission may still find that the workers were in fact employees based upon its analysis of several factors, including but not limited to the degree of control exercised by the employer over the details of the work.

North Carolina  investigators conduct routine job-site inspections to ensure Employer compliance with the Workers’ Compensation law. When an Employer is operating without the required coverage, civil enforcement action is taken. This most often results in the issuance of a Stop-Work Order, requiring that the business cease all operations until it complies with the law and pays a penalty.

The penalty is equal to 2 times the amount the employer would have paid in manual premium within the preceding two year period.

A Stop-Work Order may also be issued if an employer is not in compliance!

Federal emergency officials say they’re bracing to help with recovery efforts in North Carolina  and other states hard hit by Hurricane Florence for years to come. With billions of dollars in damages, there are many opportunities for contractors to help with the recovery. Hybrid Financial Group has a Fast-Start Program that can get you up and tuning immediately so you can get the contracts and get to work!

Working with a company like Hybrid Financial can help your company get a fast-start in meeting FEMA regulations and securing worker’s compensation insurance immediately. Call today 888-982-3334. Have your crews working as soon as tomorrow!

Hybrid Financial has a quick and easy program to get you up and running almost immediately so you can determine your hard costs, get employees on the job, and get to work while being fully compliant with all state and federal laws. This is a pay-as-you-go program so the startup costs are minimal.

Need Workers? Call Now – 888-982-3334

Hybrid Financial Group also has a Fast-Start Workers Program that can supply fully compliant employees at a set rate so that you know your exact hard costs so you can spend your time generating contracts and let us staff the workers at a set cost.

Offering the most affordable and easy to set-up roofers works comp insurance available:

  • Quick Underwriting
  • No Long-term Contracts
  • No Termination Fees
  • Pay-As-You Go Worker’s Comp

Get Connected online or  Call now! 888-982-3334

Hurricane Harvey Recovery Could Take Years – Texas Roofer Insurance & FEMA Compliance

WASHINGTON — Federal emergency officials said Sunday they’re bracing to help with recovery efforts in Texas and other states hard hit by Hurricane Harvey for years to come. With $100,000 billion damages, there are many opportunities for contractors to help with the recovery

Working with a company like Hybrid Financial can hep your company get a fast-start in meeting FEMA regulations and securing worker’s compensation insurance immediately. Call today 888-982-3334. Have your crews working as soon as tomorrow!

“This disaster is going to be a landmark event,” Federal Emergency Management Agency chief Brock Long said on CNN Sunday. “We’re setting up and gearing up for the next couple of years.’’

 As Harvey continues to slam Texas and head toward Louisiana, federal officials say they’re partnering with local and state officials to help residents facing severe flooding.  At least two people were killed by Sunday.

President Trump said early Sunday that he will visit to Texas as soon as he can make the trip without causing disruption. “The focus must be on life and safety,” he tweeted. The White House later said he plans to visit the state Tuesday.

He also tweeted that would to participate in a teleconference on Harvey with his cabinet. “Even experts have said they’ve never seen one like this!,” he tweeted.

Later Sunday the White House released a summary of the conference call, saying Trump “continued to stress his expectation that all departments and agencies stay fully committed to supporting the Governors of Texas and Louisiana and his number one priority of saving lives.”

Hurricane Harvey has devastated parts of Texas. A birds-eye view of the damage shows the full impact of the storm. USA TODAY

Federal officials warn the danger is far from over. White House Homeland Security and Counter-terrorism adviser Tom Bossert said rain is expected to continue upward of 30 inches.

“Let’s not lose our focus on how bad this still is,’’ he said on CBS Face the NationSunday.

Bossert said officials are watching for more flooding inland and providing help for residents, including rescues.

“We’re going to posture ourselves for the long-term care of the medical needy, of the elderly, of the weak and then we’ll put ourselves in the position to provide the resources to rebuild and recover,” he said.

Local officials said they’re particularly concerned about catastrophic flooding.

Texas Gov. Greg Abbott, a Republican, declared a state of emergency for 50 counties and Louisiana Gov. John Bel Edwards, a Democrat, issued a statewide declaration.

Hurricane Harvey Recovery – What Texas Roofers Need To Know About Worker’s Comp

Hurricane Harvey Roofing Texas Worker’s Comp Quick-Start

roofers in Florida

In the wake of Hurricane Harvey there is an immediate  need for contractors and roofers to get set up too work in Texas for repairs. This program can help out-of-state companies and contractors get to work immediatley!

Hybrid Financial has a quick and easy program to get you up and running almost immediately so you can determine your hard costs,  get employees on the job and get to work and be full compliant with all state and federal laws. This is a pay-as-you-go program so the startup costs are minimal.

Call now! 888-982-3334

What You need To Know About Roofing Worker’s Comp In Texas

Workers’ compensation is a necessary expense for Texas businesses that want to transfer the risk of injury to an in surname carrier.

Class code 5551 is used for employees that perform all kinds of roofing installations and roofing repair jobs, including drivers. Because this is an all-inclusive classification, roofing work may be done on any surface, including flat, built-up, or sloped roofs.

roofers workers comp

How can a company get Worker’s comp insurance quickly in order two help with the recovery from Hurricane Harvey?

Hybrid Financial’s roofing insurance program is designed to meet the needs of both small and large roofers. For smaller sized companies, their roofing comp  program is perfect for those who have demonstrated a commitment to loss control. Larger roofers benefit from the unique underwriting expertise, risk management services and carrier solutions.  Hybrid’s programs meet private and government regulations and are A-rated.

Offering the most affordable and easy to set-up roofers works comp insurance available in your state.

  • Quick Underwriting
  • No Long-term Contracts
  • No Termination Fees
  • Pay-As-You Go Worker’s Comp

Get Connected online or  Call now! 888-982-3334

Hurricane Harvey Recovery Response Form – Roofing Crews

pay as you go workers comp

Pay As you Go Worker’s Comp – Explained

Pay As you Go Worker’s Comp

Pay As You Go Workers CompUnderstanding business insurance has many components vital to your company’s success.  Have you ever wondered how Pay As you Go Worker’s Comp coverage really works?  The good news is that our Paygo program makes staffing insurance coverage both affordable and beneficial to your business.

Workers’ Compensation is generally estimated and premiums are paid up-front. The Pay-As-You-Go Worker’s Comp Program eliminates this headache and allows a company to pay premiums on a as-you-go basis that frees up operating capital.

Pay-As-You-Go Worker’s Compensation Insurance

The workers’ compensation situation in mosts states require employers to purchase insurance that provides benefits to employees who suffer work-related injuries and illnesses. This insurance works as a compromise between employers and employees: Employees receive  benefits even if they are at fault. Employers are protected from lawsuits by injured employees seeking money damages for pain and suffering or mental anguish. In fact, the insurance company is responsible for retaining and paying the attorneys. This can be effected by the type of deductible program you choose.

Workers’ compensation is governed each state, and each state differs slightly in their requirements. The main differences to be found are the rates, retired coverage and the procedural rules employers, employees, and insurance companies must follow.

Pay As You Go Workers’ Compensation Coverage

Workers’ compensation covers only work-related injury or illness, although the injury or illness does not always have to occur in the workplace. If the injury it’s job-related, it is generally covered. For example, if your employees are injured while traveling on business, running a work-related errands, or attending business-related social functions, they are covered.

Covered injuries and illnesses can range from sudden accidents  to injuries that happen over time, such as Carpal Tunnel Syndrome or back problems. There can also be instances of exposure  to chemicals, air pollution, or radiation. For example, many workers receive compensation for repetitive stress injuries such as carpal tunnel syndrome and back problems.

Things Not Covered By Workers’ Compensation

Coverage may be denied in certain situations caused directly by employees.

  • Injuries caused by intoxication or drugs
  • Self-inflicted injuries
  • Injuries caused by a fight started by the injured employee
  • Injuries resulting from playing around or obvious violation of company policy
  • Injuries caused during a felonious activity
  • Injuries occurring away from work.
  • Injuries claimed after an employee is terminated.

Employee Benefits  – Pay-As-You-Go Workers’ Compensation

Injured employees can expect replacement income for the time they are unable to work, payments for medical expenses, including doctors’ visits, surgeries, and prescription drugs, and return-to-work benefits such as on-the-job training, education, or job placement assistance.

An employee who is temporarily unable to work will generally receive two-thirds of their average wage as a temporary disability payment.

An employee who is permanently injured and cannot do the work they performed prior to the injury, or unable to return to work, could be eligible for long-term or lump-sum permanent disability benefits.

In case of an accidental death,  benefits can be paid to surviving dependents.


Hybrid Financial Group has become a national leader offering innovative Workers’ Compensation Insurance programs. HFG specializes in developing innovative technology and establishing channel partnerships with brokers, payroll companies and carriers.

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