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Workers’ Compensation Insurance for Home Care in New York
Workers’ Compensation Insurance for Home Care in New York
At Workers’ Compensation Insurance in New York, we specialize in providing compliant, affordable, and tailored Workers’ Comp Insurance for home care agencies across New York State. Whether you operate in NYC, Long Island, Buffalo, or anywhere in between, we ensure your home care business meets New York State Workers’ Compensation Board requirements while protecting your caregivers, aides, and administrative staff.
Why Home Care Agencies Need Workers’ Comp Insurance in New York:
Mandatory Coverage: New York law requires all employers, including home care providers, to carry Workers’ Compensation Insurance for employees—full-time, part-time, and seasonal.
High-Risk Environment: Home health aides and caregivers face unique risks, including client lifting injuries, slips and falls, and exposure to illnesses.
Financial Protection: Avoid out-of-pocket medical costs, lost wage claims, and potential lawsuits resulting from workplace injuries.
Workers’ Compensation Insurance in New York
Workers’ Compensation Insurance is mandatory for most employers in New York.
This coverage protects both the employer and employees by providing:
Medical expenses for workplace injuries
Lost wage benefits
Disability benefits
Employer liability protection
Compliance with New York State Workers’ Compensation Board rules
Our policies are tailored for New York small businesses seeking affordable workers’ comp rates without compromising on coverage.
General Liability Insurance in New York
Every home care agency in New York needs General Liability Insurance to protect against third-party claims. This coverage is essential for businesses that send caregivers into clients’ homes.
What General Liability Insurance Covers:
Bodily Injury Claims – If a client or visitor is injured during a caregiver’s visit.
Property Damage – Protection if caregiver actions accidentally damage client property.
Personal and Advertising Injury – Coverage for claims of libel, slander, or copyright infringement.
Business Owner’s Policy (BOP) in New York
A Business Owner’s Policy combines:
General Liability Insurance
Commercial Property Insurance
Business Interruption Coverage
This bundled package is perfect for small businesses seeking comprehensive protection at a reduced cost.
Our progress in recent years
Join 100+ New York businesses choosing us for reliable insurance coverage.
Our trusted insurance partners and carrier network help us provide fast quotes, affordable premiums, and unmatched customer support.
What Our New York Clients Say
witching to Workers’ Compensation Insurance in New York saved us thousands every year. Their team helped us secure affordable workers’ comp coverage, handled certificates fast, and supported us through every claim
Client Review, Business Owner in NYC
Frequently Asked Questions
- Who needs Workers’ Compensation Insurance in New York?
Any business with employees—full-time, part-time, or seasonal—must carry Workers’ Comp insurance according to New York State law.
- What does Workers’ Compensation Insurance cover?
It covers medical bills, lost wages, disability, and job-related injuries.
- What is General Liability Insurance?
It protects your business from third-party claims like customer injuries, property damage, and lawsuits.
- Is Workers’ Comp mandatory for contractors and freelancers?
Yes. Many contractors must carry Workers’ Comp to work on job sites or qualify for contracts.
- What does a Business Owner’s Policy include?
A BOP combines General Liability with Property Insurance, offering maximum protection at lower cost.
- How fast can I get Workers’ Comp coverage in New York?
Most businesses receive same-day or next-day approval.