Workers’ Compensation Insurance That Works for Your Business

Protect your team, meet state laws, and avoid overpaying

What Workers’ Comp Insurance Actually Covers

Workers’ compensation insurance protects both your business and your employees when workplace injuries happen. In New York and surrounding states, it's required for most employers, even if you only have one employee. Getting it right matters not just for compliance, but for keeping your team and your finances protected.

01

Medical Expenses

Covers doctor visits, hospital bills, rehabilitation, and medications for job-related injuries or illnesses

02

Lost Wages

Replaces a portion of an employee’s income while they recover

03

Disability Benefits

Provides support if the injury results in temporary or permanent disability

04

Death Benefits

Offers support to families if the worst happens

05

Legal Protection

Helps protect your business from lawsuits related to workplace injuries

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Let’s Get Your Business Covered

No pressure. Just real help when you need it.

We’ve helped hundreds of businesses across New York, New Jersey, Connecticut, and Pennsylvania find workers’ comp coverage that fits. If you're unsure where to start or just want a better deal, reach out to our team. We'll walk you through your options and get a quote back fast.

Talk to a Specialist

Client Testimonials

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Why Businesses Choose Us for Workers’ Comp

We take on the tough cases and deliver smart solutions

Whether you’ve been turned down by other brokers or you’re just tired of overpaying, our team is here to help. We specialize in difficult, high-risk, or hard-to-place cases, and we compare rates from top carriers and the State Insurance Fund. That means you get more options, better pricing, and support from people who actually understand how workers’ comp works in the tri-state region.

  • Is workers’ comp insurance required for my business?

    Yes. If you have employees in New York, New Jersey, Connecticut, or Pennsylvania, you are legally required to carry workers’ comp. Requirements vary slightly by state, but even one employee is enough to make it mandatory.

  • Can I get coverage if I’ve been denied elsewhere?

    Absolutely. We specialize in placing coverage for businesses that other brokers turn away. Whether it’s due to industry risk, prior claims, or a new business status, we can usually find a solution.

  • How is my premium calculated?

    Your premium is based on your payroll, industry classification code, and claims history. We help verify your codes and evaluate your mod rating to make sure you’re not overpaying.

  • What if I already have coverage with the State Fund?

    That’s fine. We’ll compare your current rates with private carriers and help you decide if staying with the fund or switching makes more sense financially.

  • How fast can I get a policy in place?

    Most quotes are returned in 24 hours or less. If you’re ready to bind coverage, we can often complete everything within 1–2 business days.