Workers Compensation Insurance
Protect your people—and your business.
Workers comp isn’t just a legal requirement—it’s a critical safeguard for your team and your operations.
Whether you're on a job site, running deliveries, or managing an office, accidents can happen. Workers compensation insurance provides wage replacement and medical benefits to employees injured on the job—while helping protect your business from costly lawsuits or penalties. We make it easy to stay compliant and aligned with your industry’s risk profile.
Compliance, coverage, and credibility.
Meets state-mandated insurance requirements
Covers employee medical expenses and lost wages after a work-related injury
Reduces risk of lawsuits from injured employees
Supports safer work environments and claims accountability
Having the right workers comp policy in place is more than just checking a box. It reflects your commitment to safety and responsibility—and helps you stay competitive when bidding on projects.
Who Needs It
If you have employees, it’s not optional.
In most states, including New York, any business with employees (even part-time or subcontractors in some cases) is legally required to carry workers compensation insurance. We’ll help you navigate requirements and avoid coverage gaps that could cost you.
Managing Your Workers Comp Rating
Smart coverage today can save you later.
Your business is assigned a workers comp classification and risk rating. Too many claims or improper documentation can raise your premium. We’ll help you understand how your rating works—and how offering supplemental benefits like Aflac can protect your team while reducing claim impact.
Do I need workers comp if I only hire subcontractors?
In many cases, yes. Depending on the state and situation, subcontractors may count as employees for insurance purposes. We'll help you figure out what applies.
How does this affect my workers comp rating?
Every claim can influence your experience modifier (EMR). We’ll help you understand your current rating and how to manage it over time.