Coverage · 02
Workers' Compensation. NY statutory & beyond.
New York requires every employer with a single W-2 employee to carry workers' compensation. The hard part is getting class codes, payroll, and audit posture right — where most programs leak premium.
What it is
Workers' compensation pays medical costs and wage replacement when an employee is injured at work, and it shields the employer from most employment-injury lawsuits. In New York, coverage is statutory and audited — class codes and payroll figures drive premium more than carrier choice does.
What it covers
Medical care
Full medical treatment for work-related injury or occupational illness.
Wage replacement
Indemnity for lost wages while an injured employee recovers.
Employer liability
Defense against employee suits that fall outside the statutory comp grant.
NY DBL / PFL
Statutory NY disability and paid family leave — typically bundled or written alongside.
Common gaps we catch
- Wrong class codes inflating premium by 20–40%
- 1099 workers reclassified as employees at audit — surprise premium bills
- Missing officer inclusion/exclusion elections costing thousands annually
- NY DBL and PFL written by separate carriers with avoidable admin overhead
- No mid-year payroll reconciliation, triggering huge audit balances
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