New York Workers’ Compensation

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About New York Workers' Compensation

The state of New York, with its massive economy, tax-based incentives, and spirit of entrepreneurship, is an ideal home for small business owners. The state has a rich history, natural beauty, and unparalleled quality of life. And from the stock exchange in the Big Apple to the booming development in Buffalo all the way north to international business opportunities at the Canadian border, New York has much to offer entrepreneurs.


Small businesses comprise 98 percent of New York State’s businesses, and more than half of New Yorkers who work in the private sector are employed by small business owners. Opportunities abound in the transportation, manufacturing, and distribution industries. Additionally, New York boasts a diverse workforce, strong state economy, and excellent job market. New infrastructure projects, a thriving real estate market, and active tourism industry all contribute to the vast array of small business opportunities.


In New York State, small business owners are required to carry workers’ compensation insurance and commercial auto insurance. Small businesses may need to carry professional liability insurance, property insurance, or other types of insurance depending on the nature and location of the business.


Pie Insurance providers workers’ compensation insurance in New York.

Who needs New York workers’ compensation insurance?

Nearly all New York businesses are required to purchase workers’ compensation insurance. Workers’ compensation insurance protects small business owners from being sued by an employee when an injury or illness happens.


  • New York employers are required to provide workers’ compensation coverage for all employees, even part-time employees and employed family members.
  • If an employer fails to provide proof of workers’ comp coverage within 10 days following the Board’s request, the Board is required to assume that the employer is violating the workers’ compensation law.
  • Penalties for noncompliance with New York’s workers’ comp insurance laws include fines of $2,000 per 10-day period, the injured employee’s compensation and medical costs, and any other penalties the Board assesses.
  • Medical costs for severely injured employees may cost in the hundreds of thousands of dollars per injury.

We make workers’ comp as easy as pie.

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New York Workers’ Comp Facts at a Glance  


Fines per 10-day period of noncompliance


The number of days small businesses must provide proof of coverage of the Board’s request


Percentage of nonfatal workplace injuries that required days away from work

New York Division of Safety and Health Worker Protection

New York Occupational Health

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