When do I need workers comp for my employees in New York state?

In the state of New York you are required to purchase Workers Compensation (and Short-term Disability) starting the first day that you have an employee working for you.

Most often you can take a workers compensation policy out with the same insurance carrier that provides you Business Insurance or General Liability. There are select cases where only the New York Workers Compensation Fund will provide coverage.

Either way if you do not have coverage starting the first day you have an employee the state can fine you or put a “Stop-Work” order on your business.

Watch this video “When Do I Need Workers Compensation Insurance for My Employees?” for more details:

Welcome to The Murray Group Solution Center

This is video #74 of a one hundred insurance video series that The Murray Group is producing to provide insurance consumers with quick, valuable answers to their everyday insurance questions.

If you have additional questions regarding workers compensation insurance or if you would like to discuss and receive a quote for a workers compensation insurance policy use the link below:

Contact Murray Group Insurance Expert

If you prefer to call our office number is – (518) 456-6688

You can also connect with The Murray Group further on The Murray Group Facebook Page.

If you are not quite ready to contact us about your insurance but enjoyed and/or found the information in this post useful we would very much appreciate you posting a review on GoogleYelp or Facebook.

Disclaimer: This article is for informational purposely only. There is no legal advice being suggested or proffered and the author assumes no responsibility or liability for the actions taken or not taken by the readers based upon such information.

created by Ryan Hanley

When do I need workers comp for my employees in New York state? by
Ryan Hanley

Ryan Hanley

Director of Marketing at The Murray Group
Ryan is the Director of Marketing for The Murray Group Insurance Services, Inc. Ryan is also the Founder of Content Warfare Podcast, one of the fastest growing podcasts on iTunes dedicated to digital marketing.
Ryan Hanley


  1. […] professionals I do know that there are many misconceptions within the contracting community as to who is a sub-contractor, who is a independent sub-contractor, and who is an […]

  2. […] or not your business needs to cover independent contractors for Workers Compensation Insurance depends completely on your unique […]