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New York Workers Compensation

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New York Workers Compensation

We help New York business owners find lower
cost workers' compensation coverage.
Workers Compensation Programs for New York. New York Workers Comp Programs
Learn more about our workers compensation programs available in New York.
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Get information about state work comp rates and class codes for New York.
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Questions? Call 888-611-7467 for a New York Workers Compensation Shop Specialist

Workers Compensation is a national Agency, licensed throughout the United States.

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Coverage for Tough Class Codes

We've developed Pay As You Go worker compensation programs that reduce or eliminate premium deposits and allow New York business owners to report and pay premium based on actual payroll wages. Reduce your audit risk.

We've negotiated special terms with many of our insurance carriers to offer more flexible payment options like 12 equal installments plans and monthly reporting programs to help improve cash flow for our business owners.

We offer workers compensation quotes from over 35 insurance carriers writing insurance in NY, making us your best option for lower workers compensation rates, and quotes for tougher work comp class codes in New York.

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New York Workmens Comp Experts 2019 Rates Rising in New York Fast and Easy Workmans Compensation Need Help With New York Class Codes?

New York state is currently in the top five most expensive states with regard to the average cost of workers compensation insurance. The cost of coverage in the state varies significantly between insurance companies so employers are advised to shop several carriers.

New York utilizes its own private programs for administering workers comp rating and does not utilize NCCI. Let our NY workers compensation Specialists help you determine your correct class codes before your buy coverage. We'll help ensure your business is properly covered.

Pay As You Go workers compensation quotes Fast Workers Comp Quotes Workers Compensation Companies in New York Shop Over 35 Insurance Carriers

We make the process of getting workers compensation quotes fast and easy. We know your time is valuable. That's why we work harder to streamline the quote process, compare your rates and coverages, and present your best options as quickly as possible. We often have your insurance quotes ready in less than 24 hours.

We're a National Agency, and we have dozens of carriers offering workers comp quotes in New York. We have access to over 35 insurance companies with a diverse appetite and competitive rates. Our markets know we expect the lower rates, bigger discounts, and more policy credits when we request a quote.



Did you know that the cost of a workers comp policy in New York can vary significantly between insurance company, underwriter, and insurance agency?

Workers comp questions   10 Good Questions to Ask Your Agent

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2019 New York Coverage Requirements

State workers compensation coverage requirements

Sole-proprietors with no employees are not required to carry coverage. They are required to provide coverage if 1 or more employee, but they are automatically excluded for coverage unless the elect coverage. If a policy is purchased when by a sole-proprietor with no employees, they will be automatically included unless the exclude themselves with the proper form.

State workers compensation coverage requirements

Partners and LLC Members with no employees are not required by law to purchase coverage. Partners are automatically excluded from coverage once they have employees; however, they may elect to include themselves under coverage. Partners who have not employees but choose to cover themselves are automatically included unless the elect to exclude.

State workers compensation coverage requirements

Corporate Officers with one additional owner or less and no employees are excluded from mandatory coverage, but may elect coverage. If more than two Officers, all must be included in coverage. Officers of companies with employees are automatically included for coverage, but may elect to exclude themselves if eligible.

2019 Payroll Requirements for NY Owners

State workers compensation coverage requirements

Sole-Proprietors included on workers compensation coverage must use a minimum payroll amount of $35,100 and a maximum payroll amount of $106,600 for rating purposes. (Accurate as of 3/1/2019 last updated by the state on 10/01/2018)

State workers compensation coverage requirements

Partners and LLC must be included at a minimum of $35,100 and a maximum of $106,600 (Accurate as of 3/1/2019, last changed by NY state on 10/1/2018).

State workers compensation coverage requirements

Corporate officers who are not excluded from coverage must utilize a minimum payroll of $37,700 for the purpose of rating workers comp premium. Corporate Officers in the state of New York have several exclusions depending upon industry and how the business is structured. It is best to check with an agent or the New York Compensation Insurance Rating Board (As of 10/01/2018. Accurate as of 03/01/2019).

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Learn more about workers compensation insurance in New York Work Comp:  New York | NY Programs| NY Rates | NY Forms | NY Info | NY Quotes
Workers Compensation Agents New York Workers Comp and Contractors.

Contractors may have very specific state rules and regulations regarding coverage requirements and minimum/maximum payrolls for premium rating. Contractors are often held liable for 1099 sub-contractor payments when the sub-contractor does not meet the definition of an independent contractor.

We want to help your business find the most affordable workers comp in NYS. Give us a call today at 888-611-7467 or get started online. We've already helped thousands of New York employers buy more affordable coverage for their business.

New York Agency License: LA-1179879
National Producer Number: 5064979

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