Workers' comp for New York employers, priced against your real mod.
Statutory workers' compensation across every NY class code, with experience-mod review, audit defense, and return-to-work coordination. We requote your renewal — not roll it.
What the policy covers.
An independent broker, not a captive.
The carriers' rate filings are public; what changes the bill is class-code accuracy, mod calculation, and scheduled credits. We push on all three at every renewal. For higher-hazard NY classes (roofing, demolition, trucking) we shop AmTrust, Hanover, NYSIF alternatives, and surplus markets to find the structure that actually fits.
Questions operators ask.
Is workers' compensation required in New York?+
Yes. New York requires almost every employer with one or more employees (including part-time and most family members) to carry workers' compensation. Penalties for non-compliance run $2,000 per 10-day period of non-coverage, plus actual claim costs.
What does workers' comp cover?+
Statutory medical care, lost wages (typically two-thirds of average weekly wage up to the NY cap), permanent disability awards, and death benefits for work-related injuries and illnesses. Employer's liability (Coverage B) responds to lawsuits outside the statutory grant.
How is my workers' comp premium calculated?+
Premium = payroll ÷ 100 × class-code rate × experience modifier (mod) × carrier-specific factors. We review your class codes (mis-classification is the #1 source of overpayment) and your mod calculation before each renewal.
Can you help reduce a high experience mod?+
Yes — we audit your loss runs for mis-coded claims, push for proper claim closure, and coordinate return-to-work programs that limit lost-time days. We also requote to carriers with more favorable scheduled credits for your industry.