Worker’s Compensation Insurance / Disability Insurance
Workers’ Compensation Insurance
Workers’ Compensation coverage pays for medical care and physical rehabilitation of employees injured at work and helps to replace lost wages while they are unable to work. Additionally, this coverage protects an employer from being sued by an injured worker in most cases.
We can help your business find complete solutions to your unique workers’ compensation insurance needs. Solutions that create safer and more productive workplaces, more confident and secure workers and overall savings you’ll see on the bottom line.
A commonly overlooked exposure for companies who employ mostly office workers is the potential injury to employees while driving their own vehicles on company business. This could be as simple as an employee driving to a sales call, the bank or office supply store. If you have employees, it is critical that you consider this important coverage.
NY State Disability Insurance
Businesses are Required to Provide Off-the-Job Coverage
Accidents and injuries are just as likely outside of work as on the job, but they shouldn’t mean that your employees have to struggle to get by. The State of New York gives business owners a reasonably-priced way to protect their employees if they become sick or hurt outside of the workplace.
The New York Disability Benefits Law (DBL) is a state-sponsored insurance program that can provide some level of replacement income in the case of an off-the-job injury. We can provide your business with the security of disability insurance.
Every business that employs one or more person besides the owner is required to have disability insurance, and we can explain all the details of the program to you.