Looking for Workers Compensation insurance in NY?
Workers’ Compensation Insurance in Queens, New York
Running a business comes with many responsibilities, and ensuring the safety and well-being of your employees is one of the most important. Workers’ Compensation Insurance is a state-mandated, no-fault insurance that provides financial protection for employees who suffer work-related injuries or illnesses. At NYC Metro Insurance, we help businesses in Queens, Manhattan, Queens, Staten Island, the Bronx, Long Island, Westchester, and throughout New York State secure the right coverage to protect their employees and business assets.
Why Workers’ Compensation Insurance Is Essential
Imagine one of your employees is injured on the job and your company does not have Workers’ Compensation Insurance. How would their medical bills be paid? Could you be sued for failing to provide proper coverage? Don’t put your business at risk — you’ve worked too hard to build it. Workers’ Compensation Insurance ensures that employees receive the medical care and financial support they need while protecting your business from costly lawsuits and penalties.
What Does Workers’ Compensation Insurance Cover?
Workers’ Compensation Insurance provides critical benefits to employees who experience work-related injuries or illnesses, including:
- Medical Expenses – Covers hospital visits, surgeries, rehabilitation, and ongoing medical care.
- Lost Wages – Provides financial compensation for employees unable to work due to injury.
- Disability Benefits – Supports employees who suffer temporary or permanent disabilities.
- Death Benefits – Provides financial assistance to families in the unfortunate event of a work-related fatality.
Protect Your Business & Employees
New York State requires businesses to carry Workers’ Compensation Insurance, ensuring that employees receive proper care and financial support in case of workplace injuries. Whether you operate a small business in Queens, a corporate office in Manhattan, or a retail store in Queens, securing the right coverage is essential for compliance and financial protection.
Get a Free Quote Today
At NYC Metro Insurance, we want to ensure your business and employees are protected. Contact us today at (718) 205-8940 for a free quote, and let us help you find the best Workers’ Compensation coverage for your business.
A key part of running your business is keeping employees safe at work. However, if one of your employees does suffer an injury, Workers Compensation coverage provides you and your employees with important protection.
You pride yourself on operating a safe, secure work environment where your employees can perform to the best of their ability while helping your business grow. Even in the most ideal circumstances, the reality is that accidents and illness still happen.
A slip and fall at a restaurant resulting in broken bones, an equipment malfunction at a construction site causing eye injury—it could be any number of things.
Am I required to have Workers Compensation Insurance?
Workers Compensation coverage is a state-mandated insurance program that covers lost wages and medical treatment resulting from an employee’s work-related injury or illness. It also covers services needed to help an employee recover and return to work.
In most states, work comp insurance is required.
How Much Is Workers Compensation Insurance in NY?
Because coverage requirements vary by state, the cost of Workers Compensation depends on where your business operates. Other factors that affect your rates include…
- The number of employees you have.
- The type of work your employees do.
- Your claims history.
- Your industry.
Like all insurance, Work Comp is priced based on risk.
Riskier industries and jobs are more expensive to insure than less risky ones. To make sure prices are as fair as possible, they’re determined by classification codes.
Each type of work or industry has a unique code that classifies the industry and risk, and helps the insurance carrier determine a suitable rate.
One way to save money on your Workers Comp policy is to make sure you’ve classified every employee correctly. The secretary for a construction firm, for example, will have lower rates than the bricklayers.
At NYC Metro Insurance, we understand the importance of keeping your employees safe and sound. After all, they are the foundation of your business.
Call our office today and we’ll discuss your needs and options. You can also head over to our quotes page and get started that way too.