Workers' Compensation Insurance



Workers' Compensation Board State
Businesses in New York State must have workers' compensation coverage for all employees.

The rule includes part-time employees and family members employed by the company.

Employers must have a workers' compensation insurance policy. It can come from a private insurance carrier, the New York State Insurance Fund, or self-insurance. Businesses must show proof of the policy when getting business permits. Businesses may be exempt in very narrow circumstances. They are only exempt from these rules in that case. Self-insurance is rare.

The workers' compensation system is a form of no-fault insurance. Employees have a right to receive workers' compensation benefits for job-related injuries. An employee usually cannot sue an employer for an injury if a policy is in place.

For more information, contact:

NYS Workers' Compensation Board
PO Box 5205
Binghamton, NY 13902
Phone: (877) 632 4996
Business Advocate: (800) 628-3331
Compliance Department: (866) 298-7830


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