Commercial Insurance
Workers' Compensation
Pays for medical care and lost wages when an employee is hurt or becomes ill on the job, and in New York it is required by law for most employers.
What it is
Workers' compensation pays for medical care and lost wages when an employee is hurt or made ill on the job, and it protects your business from the lawsuit that could otherwise follow. In New York it is not optional. The state requires nearly every employer with employees to carry it, and the penalties for going without are serious.
What Workers' Compensation covers
- Medical treatment for work-related injuries and illnesses
- A portion of lost wages while an injured employee recovers
- Rehabilitation costs to help an employee return to work
- Death benefits for the family if a worker dies from a job-related cause
- Employer liability protection if an injured worker brings a related lawsuit
New York requires workers' compensation for nearly every employer with employees, including most part-time staff and often certain subcontractors. Going without it exposes you to significant state penalties.
Industries we write workers' compensation for
FAQ
Workers' Compensation: common questions
Is workers' compensation required in New York?
Yes. New York requires nearly every employer with employees to carry workers' compensation, and the penalties for operating without it are steep.
Are owners and officers covered?
It depends on your business structure. Some owners can exclude themselves while others must be included. We set it up correctly for your situation.
Do I need it for subcontractors?
Often yes. If a subcontractor does not carry their own coverage, they can fall back on yours, so we help you collect certificates and structure it the right way.
Independent advantage
We shop it. You decide.
We place workers' compensation across many top markets, including a new appointment with The Hartford, so you get the right fit instead of one company's price.