{"id":17,"date":"2026-10-14T21:16:43","date_gmt":"2026-10-14T21:16:43","guid":{"rendered":"https:\/\/nybusinessinsurances.com\/index.php\/workers-compensation\/"},"modified":"2026-10-14T21:16:43","modified_gmt":"2026-10-14T21:16:43","slug":"workers-compensation","status":"publish","type":"page","link":"https:\/\/nybusinessinsurances.com\/index.php\/workers-compensation\/","title":{"rendered":"Workers&#8217; Compensation Insurance"},"content":{"rendered":"\n<div class=\"ny\"><section class=\"ny-page-hero\"><div class=\"ny-container\"><p class=\"ny-breadcrumb\"><a href=\"\/\">Home<\/a> \/ <a href=\"\/index.php\/coverage\/\">Coverage<\/a> \/ Workers&#8217; compensation<\/p><p class=\"ny-kicker\">Coverage topic 04<\/p><h1>Workers&#8217; compensation.<br>Start with your people.<\/h1><p class=\"ny-lead\">Understand the employment arrangements, work activities and state requirements that belong in your insurance discussion.<\/p><\/div><\/section><section class=\"ny-section\"><div class=\"ny-container ny-article-grid\"><article class=\"ny-prose\"><h2>What is workers&#8217; compensation?<\/h2><p>Workers&#8217; compensation addresses covered work-related injuries and illnesses through a statutory system. Benefits and employer obligations depend on applicable law and the circumstances.<\/p><h2>A New York consideration<\/h2><p>New York generally requires employers with employees to maintain workers&#8217; compensation coverage, subject to specific rules and exceptions. Part-time work, ownership structures, family members, subcontractors and work performed across state lines can make the analysis more detailed.<\/p><p>Do not assume that describing a worker as an independent contractor settles the insurance requirement. Confirm the applicable rules with the New York State Workers&#8217; Compensation Board and qualified professionals.<\/p><h2>Questions to prepare<\/h2><ul><li>Who works for the business, and what work do they perform?<\/li><li>In which states is the work performed?<\/li><li>How are payroll and work classifications recorded?<\/li><li>Are there subcontractors, leased employees or owner\/officer questions?<\/li><li>What audit, reporting and policy renewal requirements apply?<\/li><\/ul><div class=\"ny-note\"><strong>Separate obligations:<\/strong> New York disability benefits and Paid Family Leave coverage are not the same as workers&#8217; compensation. Many employers must address these separately. Eligibility and exceptions should be checked with official guidance.<\/div><h3>Official starting points<\/h3><p><a href=\"https:\/\/www.wcb.ny.gov\/content\/main\/coverage-requirements.jsp\" target=\"_blank\" rel=\"noopener noreferrer\">New York WCB \u2014 Coverage Requirements (external)<\/a><br><a href=\"https:\/\/www.wcb.ny.gov\/content\/main\/coverage-required-db.jsp\" target=\"_blank\" rel=\"noopener noreferrer\">New York WCB \u2014 Disability and Paid Family Leave (external)<\/a><\/p><p class=\"ny-small\">This overview is not legal advice or a determination of your obligations. Requirements can change; use current official guidance for your circumstances.<\/p><\/article><aside class=\"ny-sidebar\"><p class=\"ny-kicker\">Your next step<\/p><h3>Put the working arrangements in context.<\/h3><p>Tell us about your workforce and operating states without sending sensitive employee information.<\/p><a class=\"ny-btn\" href=\"\/index.php\/contact\/?topic=workers-compensation\">Discuss your business \u2197<\/a><small>Do not send medical records, Social Security numbers or employee claim files in an initial inquiry.<\/small><\/aside><\/div><\/section><section class=\"ny-cta ny-sage\"><div class=\"ny-container ny-cta-row\"><div><h2>A clearer conversation about responsibilities.<\/h2><p>Start with the facts about your business and workforce.<\/p><\/div><a class=\"ny-btn\" href=\"\/index.php\/contact\/\">Request a consultation \u2197<\/a><\/div><\/section><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Workers&#8217; compensation questions for business owners, including New York employer requirements and separate disability and Paid Family Leave obligations.<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"nybusiness-full","meta":{"footnotes":""},"class_list":["post-17","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/nybusinessinsurances.com\/index.php\/wp-json\/wp\/v2\/pages\/17","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/nybusinessinsurances.com\/index.php\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/nybusinessinsurances.com\/index.php\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/nybusinessinsurances.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/nybusinessinsurances.com\/index.php\/wp-json\/wp\/v2\/comments?post=17"}],"version-history":[{"count":0,"href":"https:\/\/nybusinessinsurances.com\/index.php\/wp-json\/wp\/v2\/pages\/17\/revisions"}],"wp:attachment":[{"href":"https:\/\/nybusinessinsurances.com\/index.php\/wp-json\/wp\/v2\/media?parent=17"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}