Workers' Compensation
What's included
What It Covers
Medical care
Helps pay for medical treatment related to a work injury or illness, such as doctor visits, hospital care, surgery and prescriptions.
Lost wages
Provides partial wage replacement when an employee cannot work, or can only work in a limited way, while recovering from a covered injury or illness.
Rehabilitation
May help cover physical therapy and other rehabilitation services so an injured employee can recover and return to work.
Death benefits
Can provide benefits to an employee's surviving family members if a work-related injury or illness results in death, including help with funeral expenses.
Employer's liability
Helps protect your business if it is sued in connection with an employee's work injury or illness, including legal defense costs, subject to your policy terms.
Occupational illness
Covers more than accidents, including illnesses and conditions that develop over time because of the work, such as repetitive strain injuries.
Who Needs It
- Businesses of any size with full-time or part-time employees
- Contractors and trades with physically demanding or higher-risk work
- Restaurants, retailers, offices and service businesses with staff
- Business owners who want to choose whether to cover themselves as well
Optional Coverages
- Other states coverageCan extend protection when employees travel or work temporarily in states other than New York.
- Waiver of subrogationOften required by contracts, this endorsement limits the carrier's right to recover claim costs from a client or other party named in the agreement.
- Alternate employer endorsementMay extend coverage to a client or staffing partner where your employees are placed to work.
- Voluntary compensationCan provide workers' compensation-style benefits to people who are not required to be covered by law, such as certain owners or officers.
Working with us
How We Help
- 1
Tell Us What You Need
Share a few details about you, your property or your business. It only takes a few minutes, online or by phone.
- 2
We Shop the Market
As an independent brokerage, we compare options from multiple top-rated carriers to find the right fit.
- 3
Review and Get Covered
We walk you through your options in plain language, answer your questions and help you choose with confidence.
Frequently asked questions
Common Questions
Do I need workers' compensation if I only have a few employees?
In most cases, yes. New York generally requires most employers to carry workers' compensation, even with only one or a few employees, including many part-time workers. Some exceptions exist, so it is a good idea to confirm your situation before going without coverage.
How is my workers' compensation premium calculated?
Premiums are typically based on your payroll and the job classifications of your employees, since some types of work carry more risk than others. Your claims history and safety record may also affect the rate over time.
Why does my carrier audit my policy at the end of the term?
Your premium is usually estimated at the start of the policy using projected payroll. At the end of the term, the carrier typically reviews your actual payroll and job classifications, which can result in an additional premium or a refund.
Does workers' compensation cover subcontractors?
It depends. If a subcontractor does not carry their own workers' compensation, their workers may be counted as your employees at audit, which can increase your premium. Our agents can help you understand what certificates of insurance to collect from the subcontractors you hire.
Ready to Get Started?
Get a personalized Workers' Compensation quote or speak with one of our experienced agents.