Protect Your Employees
Comprehensive Workers Compensation Insurance
Ensure your employees are covered with workers compensation insurance. Protect against medical expenses and lost wages due to workplace injuries.
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Frequently Asked Questions (FAQs) - Workers' Compensation Insurance in New York
What is workers' compensation insurance?
Workers' compensation insurance provides coverage for employees who suffer work-related injuries or illnesses. It covers medical expenses, lost wages, rehabilitation costs, and death benefits.
Is workers' compensation insurance required in New York?
Yes, New York law requires employers to carry workers' compensation insurance for their employees, including part-time and seasonal workers. There are some exceptions, but most businesses must comply with this requirement.
What does workers' compensation insurance cover?
Workers' compensation insurance typically covers medical expenses, lost wages, rehabilitation services, and death benefits for employees who suffer work-related injuries or illnesses. It also provides legal protection for employers against lawsuits related to workplace injuries.
How is the cost of workers' compensation insurance determined?
The cost is based on factors such as the type of business, the number of employees, the level of risk associated with the jobs, the company's claims history, and the chosen coverage limits.
What should I do if an employee is injured at work?
If an employee is injured at work, ensure they receive immediate medical attention. Report the injury to your workers' compensation insurance provider as soon as possible and complete any required documentation.
Can I get discounts on workers' compensation insurance?
Yes, insurers may offer discounts for implementing safety programs, maintaining a claims-free history, and providing employee training. Participation in state-sponsored safety initiatives can also help lower premiums.
How can I lower my workers' compensation insurance premium?
You can lower your premium by implementing comprehensive safety and risk management programs, maintaining a claims-free history, providing regular employee training, and participating in state safety programs.
What are the benefits of having workers' compensation insurance?
Workers' compensation insurance provides financial protection for both employees and employers. It ensures that injured employees receive necessary medical care and wage replacement, while protecting employers from costly lawsuits.
How long does an employee have to file a workers' compensation claim?
In New York, employees must notify their employer of a work-related injury or illness within 30 days. They have up to two years to file a formal workers' compensation claim.
What additional coverages should I consider for my business?
In addition to workers' compensation insurance, you might consider adding general liability, commercial property insurance, employment practices liability, and higher limits on your existing policies to ensure comprehensive protection.