{"id":118,"date":"2025-03-28T04:00:00","date_gmt":"2025-03-28T10:00:00","guid":{"rendered":"https:\/\/www.accesslegacyinsurancegroup.com\/blog\/?p=118"},"modified":"2025-03-20T15:29:50","modified_gmt":"2025-03-20T21:29:50","slug":"which-new-york-businesses-are-required-to-have-workers-comp-insurance","status":"publish","type":"post","link":"https:\/\/www.accesslegacyinsurancegroup.com\/blog\/which-new-york-businesses-are-required-to-have-workers-comp-insurance\/","title":{"rendered":"Which New York Businesses Are Required to Have Worker’s Comp Insurance?"},"content":{"rendered":"

Workers’ compensation insurance is crucial for most businesses in New York. It covers expenses incurred after an employee has an accident. Most companies in the state are required to have this insurance, though there are some exceptions. Contact us at Access Legacy Insurance Group in Brooklyn, NY, for more information.<\/p>\n

Exceptions to the Requirement<\/h2>\n

If a business is solely owned by one or two people who own the entire business and have no other employees, it is not legally required to have workers’ comp insurance. However, workers’ comp would be required if such a business has employees other than the owners. A sole proprietorship doesn’t have to have this insurance, but if a single owner hires anyone, the insurance would be required.<\/p>\n

Understanding Employee Classification<\/h2>\n

If you work with independent contractors, you generally are not required to have workers’ comp insurance for them. However, it’s crucial to correctly classify workers to avoid illegally labeling an employee as a contractor. Understand the differences between employees and contractors to ensure correct classification. If someone legally must be labeled as an employee, a workers’ comp policy must be in place for the duration of their employment.<\/p>\n

Securing Workers’ Comp Insurance in Brooklyn<\/h2>\n

Workers’ comp policies cover medical bills and other necessary expenses after an employee has a work accident. These expenses can include medical bills, legal costs, lost wages, and more. Protecting your business against potentially enormous costs following an accident is essential. To get started with a policy to safeguard your business, contact us at Access Legacy Insurance Group in Brooklyn, NY.<\/p>\n","protected":false},"excerpt":{"rendered":"

Workers’ compensation insurance is crucial for most businesses in New York. It covers expenses incurred after an employee has an accident. Most companies in the state are required to have this insurance, though there are some exceptions. Contact us at Access Legacy Insurance Group in Brooklyn, NY, for more information. Exceptions to the Requirement If […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[8],"tags":[10,9,16],"class_list":["post-118","post","type-post","status-publish","format-standard","hentry","category-workers-compensation","tag-access-legacy-insurance-group","tag-brooklyn-ny","tag-workers-comp"],"aioseo_notices":[],"aioseo_head":"\n\t\t\n\t\n\t\n\t\n\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t