Skip to main content

Workers' Compensation Insurance


State Workers' Compensation Board

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.

NYS Workers' Compensation Board

PO Box 5205

Binghamton NY 13902
Phone (877) 632 4996

Business Advocate: (800) 628-3331
Compliance Department: (866) 298-7830

Learn which permits, licenses and regulations matter to you Use the Step by Step tool to get an exhaustive list of requirements that matter to you.
Use the Step by Step tool