Protect your employees and your business if a work related injury happens. PRK Insurance Agency, Inc. helps New York employers compare workers’ comp options and stay compliant with confidence.
Workers’ compensation insurance helps cover medical treatment and certain wage benefits if an employee is injured or becomes ill due to work related activities, depending on the claim.
Many employers must carry workers’ comp in New York. Requirements can vary based on business structure, payroll, and whether you have employees. We can help you confirm what applies.
Workers’ comp can help cover medical expenses, partial lost wages, and related benefits after a covered work injury. Coverage details depend on the policy and claim decision.
Pricing depends on payroll, job classifications, industry risk, claims history, and experience modifiers. Accurate classification and strong safety practices can impact premiums.
Many clients, job sites, and vendors require proof of workers’ comp coverage. We help you obtain certificates quickly and keep documentation organized.
Clear safety procedures, training, documentation, and strong onboarding can help reduce injuries and improve long term workers’ comp costs, depending on operations.
Workers’ comp needs to be set up correctly: classifications, payroll, and compliance details matter. Since 2004, PRK Insurance Agency, Inc. has helped New York employers compare options and secure workers’ comp coverage with clear guidance and responsive support. Based in Melville, NY, our team helps you get the right policy, provide certificates when needed, and keep coverage aligned with your business as it grows.
Get clear answers to common workers’ comp questions, including what’s covered, when it’s required, and how to keep your business protected and compliant in New York.
Workers’ comp can help cover medical treatment and partial lost wages for employees after a covered work related injury or illness, depending on the claim.
Many employers are required to carry workers’ comp in New York. Requirements depend on your business structure and whether you have employees.
In many cases, yes. Requirements can apply even with one employee, depending on the business and situation. We can help you confirm your obligations.
Independent contractors are typically not covered the same way as employees, but misclassification can create risk. Coverage depends on how workers are classified and the policy setup.
Premiums are generally based on payroll, job classifications, industry risk, and claims history. Experience modifiers may also affect pricing over time.
Class codes categorize job roles by risk level. Correct classification matters because it impacts premium and compliance.
Timeline depends on your business details and underwriting, but we can often provide quotes quickly once we have payroll and class code information.
Workers’ comp can reduce lawsuit exposure related to workplace injuries in many situations, but details vary. Employer’s liability coverage may also play a role.
A certificate of insurance is proof you have workers’ comp coverage. Many clients and job sites require it before allowing work to begin.
Yes. PRK Insurance Agency, Inc. helps New York employers compare workers’ compensation options and choose the right coverage with clear guidance and fast support.
