If you have even one part-time employee in New York, the state says you carry this. We quote your work comp across the carriers we represent, then stay on for the parts nobody warns you about: certificates for your subs, the annual audit, and claims when they happen.
Work comp is no-fault: it pays for employees hurt on the job regardless of who caused the injury, and in return it protects the business from most injury lawsuits. Here's each piece.
Pays for reasonable and necessary treatment of a work-related injury or illness: doctor visits, surgery, physical therapy and prescription medications.
Pays two-thirds of an injured worker's average weekly wage, up to the New York state maximum, while a covered injury keeps them out of work.
Ongoing benefits if an employee is left with a permanent partial or total disability from a work-related injury.
Pays survivors' benefits and funeral expenses if an employee dies from a work-related injury or illness.
Protects the business against lawsuits brought by injured employees outside the standard workers' comp system.
Many carriers run return-to-work programs that ease injured employees back onto the job, which keeps long-term claim costs down.
Answered the way we'd answer them on the phone.
Yes. New York requires virtually all employers — including those with just one part-time employee — to carry workers' compensation insurance. Penalties for non-compliance are severe, including fines and criminal charges.
This is one of the most common and costly mistakes NY business owners make. If your subcontractors don't have their own workers' comp certificates, you may be held liable for their injuries. We help you manage sub certificates.
Premium is based on your payroll, the classification codes for your employees' job duties, and your experience modification rate (EMR) — which reflects your claims history. We help you make sure your classifications are accurate.
Most workers' comp policies are subject to annual audits to reconcile estimated vs. actual payroll. We help you prepare for audits and ensure your payroll records are organized to minimize surprises.
Send your payroll figures and what your employees do through the quote form, and a licensed NY agent will shop it across 30+ carriers. Work comp quotes typically come back within one business day.