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New York, Connecticut, New Jersey and Pennsylvania Workers Compensation Insurance, often referred to as workers’ comp, workmen’s comp or workers’ liability insurance provides coverage for both work related injuries and some lost income. It is somewhat similar to disability insurance except that the injury must have occurred while working.
What Businesses Should Carry New York, Connecticut, New Jersey, and Pennsylvania Workers’ Compensation? Any New York, Connecticut, and Pennsylvania business which employs 4 or more employees or Contractors with one employee, is required by New York, Connecticut, and Pennsylvania state law to carry workers’ compensation insurance. However, every business should carry workers compensation insurance regardless of how many employees you have. Why? Because if an employee is injured while on the job, your business is liable not only for his medical expenses but also for a portion of his lost wages.
Getting the best rates for your Workers Compensation insurance begins with assigning the right job codes to the employee jobs associated with your business. These codes correspond to workers compensation rates and the riskier the job, the higher the rate. A costly mistake that many make is using the incorrect higher rate code for a less risky job.
To avoid that costly mistake and others you need to speak with one of the commercial protection advisors at Cameron Group Insurance. We’re an independent insurance agency offering insurance from 7 of New York, Connecticut, New Jersey, and Pennsylvania’s top insurers. From our Nanuet, NY office we insure businesses in the Nanuet, Suffern, Pearl River, New York City, Valley Cottage and Blaufelt communities. We offer workers compensation insurance from many different insurance companies and can shop your workers compensation rates finding you the lowest cost workers compensation insurance.