Workers Compensation Insurance

New York law requires workers compensation insurance for most businesses with employees, providing essential protection for both workers and employers when job-related injuries or illnesses occur. This coverage handles medical expenses and provides wage replacement benefits when employees can't work due to job-related health issues.

Workers compensation covers medical treatment for job-related injuries and illnesses, from minor cuts requiring first aid to serious accidents needing surgery and rehabilitation. The coverage also provides benefits for temporary or permanent disabilities when employees can't return to their previous work capacity due to workplace incidents.

Orange County businesses face varied workplace risks depending on their industry and operations. Construction companies deal with physical injury risks from tools and equipment, while office businesses face different concerns like repetitive stress injuries or slip-and-fall accidents that can result in workers compensation claims.

Compliance with New York regulations is essential for business owners, as operating without required workers compensation can result in significant penalties and legal problems. The coverage protects employers from direct lawsuits by injured employees while ensuring workers receive necessary medical care and financial support during recovery.