Get Your NYC Workers Compensation Insurance Quote Today!
Smart Apple Insurance helps you protect your team, stay compliant, and manage costs effectively. We are a click away if you need workers’ compensation insurance for a construction company, a restaurant, or a staffing agency. Call (718) 523-5353 or get a fast and affordable workers comp quote online from trusted New York brokers!
Who Needs Workers' Comp Insurance in NYC?
You are legally required to carry workers’ compensation insurance, if you hire workers, operate in a high risk field, or take on contract work. Even sole proprietors and LLCs may need coverage to secure contracts or meet the requirements of clients or agencies.
Employers with Staff
If you have full time, part time, or seasonal employees, workers’ compensation insurance is for you!
High Risk and Regulated Industries
Due to higher injury risks, businesses in construction, restaurants, retail, and staffing face strict requirements.
Contract Based and Domestic Work
Secure work compensation insurance while hiring freelancers, independent contractors, or domestic workers. So effortlessly get it from Apple insurance brokers.
What Does Workers Compensation Insurance Cover?
Workers’ compensation insurance provides financial and medical protection for employees injured or ill due to work related causes. It includes:
- Medical bills for work related injuries or illnesses.
- Wage replacement for lost income during recovery.
- Short-term and long-term disability benefits.
- Occupational illness and hazard coverage.
- Work related accidents, such as slips, falls, or machinery injuries.
- Rehabilitation services, including physical therapy and follow up care.
- Death benefits to families in the event of a fatal workplace incident.
- Legal protection for employers against injury related employee lawsuits.
How Much Does Workers Compensation Insurance Cost in NYC?
NYC workers compensation insurance rates depend on:
- Your industry risk level (restaurant, construction, office, etc.)
- The number of employees
- Your claims history
- The Workers comp class codes you fall under
For sole proprietors or independent contractors, consider a workers comp ghost policy to meet legal or client requirements. You can often get this coverage bundled with others in a Business Owners Policy.
Workers Comp Insurance for Self Employed and Sole Proprietors
Even if you are self employed, workers compensation for sole proprietors can protect your income and help you qualify for contracts.
We offer:
- Affordable ghost insurance policy
- Sole proprietor workers comp
- Help with exclusion forms if you are exempt
Along with that you can get an independent contractor insurance policy for comprehensive liability coverage.
Industry-Specific Workers' Compensation Coverage
Every industry has its own risks. That is why we tailor your Workers Compensation Insurance to match the exact needs of your business, employees, and risk exposure.
We specialize in:
- Workers’ compensation for the construction industry: Roofers, general contractors, electricians, plumbers, and more.
- Restaurant Workers Comp Insurance: Cooks, servers, and delivery staff are protected against burns, slips, and cuts.
- Technology insurance company Inc. workers compensation: IT companies, data centers, software developers, and tech startups
- Deli Store Insurance: Protecting owners and employees from common food service risks, including cuts and slips.
Moreover, we also assist workers’ compensation for independent contractors, temporary staffing and part time employees, nannies, sole proprietors, self-employed individuals, retail stores and beauty, wellness industry, office-based, home-based businesses, healthcare professionals, cleaning companies, transportation and delivery services.
Let Smart Apple Help You with Workers' Comp Insurance!
With over 13 years of experience, we help NYC employers:
- Understand workers’ comp codes
- Compare workers compensation insurance quotes
- Navigate sole proprietor and ghost policies
- Bundle with general liability and workers comp for better rates
We serve all NYC boroughs (Manhattan, Queens, Brooklyn, Staten Island, and the Bronx) and Long Island.
Start your coverage today!
Call (718) 523-5353
Email: info@smartapple.us
Get your workers compensation insurance quote online now!
FAQs
Absolutely. It protects your employees and your business from costly medical bills and lawsuits.
No. Workers’ comp covers medical expenses and lost wages, not emotional distress.
You cannot be fired simply for filing a claim. But you can be terminated for unrelated reasons, such as performance, layoffs, etc.
Yes. Workers’ comp provides partial wage replacement, typically ⅔ of your average weekly wage.
The employer pays all premiums. It is illegal to deduct the cost from employee wages.
No, you do not need an LLC to get business insurance. You can get workers’ comp insurance as a sole proprietor or even without an LLC. But forming an LLC helps separate personal and business liability.
Workers comp insurance policy does not protect job security directly, but it ensures you will not lose income due to a work related injury.
We’ll send your workers’ compensation certificate once your policy is active. Use it to show proof for clients, landlords, or government contracts.
Sometimes. If your doctor allows light duty or modified tasks, you can return to work part-time while still receiving some benefits. It depends on your condition; sometimes, your condition prevents you from working.
Workers’ comp benefits vary by state and injury.
- Temporary benefits last until you recover, usually weeks to months.
- Permanent disability benefits can last for years or a lifetime.
- Medical treatment is covered as long as it’s needed for the work injury.
Your employer may continue to pay for your health insurance, but this has not been confirmed.
- You may need to pay your share of premiums.
- Check your company’s benefits policy or talk to HR.
It depends on where you live. Some states let you choose your own doctor right away. Others require you to see a doctor picked by your employer or their insurance company first. Check your state’s rules or ask your insurance provider.
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