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workers compensation insurance NYC

New York Workers Compensation Insurance – Workman’s Comp Insurance in Jamaica NY

The NY government has made it compulsory for every employer to offer worker’s compensation to all its employees.


Smart Apple is a professional and highly experienced workers compensation insurance broker/agency based in Jamaica New York. We offer you a range of insurance services to help you choose the best insurance company and plan for workers comp insurance in NY.


Our trained, expert and experienced agents have in-depth knowledge of the workers compensation laws in NYC to provide you with the best advice regarding workman’s comp insurance policy.

Which Workers are Eligible for Workers’ Comp Insurance?

All the employers in New York are obliged to provide worker’s compensation to all the people who:

  • Are farm workers that make $1200 or more every year.
  • All the domestic employees have been employed for 40 hours or more every week.
  • All the employees of any for-profit business. This may include the family members, volunteers, and part-time employees, leased or borrowed employees.
NYC Insurance Brokers Info-graphic

What are the Rates of The Workers’ Compensation Insurance in New York City?

There are a lot of different kinds of jobs, and in some, there might be a risk of life too. The New York Compensation Insurance Rating Board is a nonprofit organization. It is responsible for identifying the tasks and setting their rates for compensation.


New York has worker’s compensation rates higher than any other state in the US, and the average rate that an employee receives is $0.98 per every $100. This rate can vary, as there are jobs, which might have higher risks of life like labor, and they might have higher compensation rates while other jobs such as the desk ones might have lower rates.

What Can go Wrong if You are not Paying the workman’s comp Insurance?

The New York government always tries to make sure that all the employers are giving enough compensation to their employees, which has been set by the organization. If someone is not following the guidelines and is not providing all eligible employees with the compensation, it can result in some serious civil or even criminal penalties.

Failure to Cover the Workers’ Compensation

If an employer is unable to provide the worker’s compensation to its employees less than 5 in number for a year, this can result in a fine of around $1000 to $5000. If it is more than 5 employees who have not been assisted in a year, this can result in a fine of around $5000 to $50,000. If it has been more than 5 years since the employer has not provided the worker’s compensation to all its workers, it can result in a penalty of around $10,000 to $50,000 and a lot of other additional charges. As there are different kinds of jobs and services being provided, hence the rate can also vary according to the jobs being performed.

Limitations of the Workman’s Insurance  Claim

If an employee needs to file a claim for its compensation, it has a period of around 2 years to do so. If someone falls and has some serious injury, they can always return to work as if nothing had happened if they did not need much medical attention, but if they did not, they have a time period of 2 years to claim their compensation. If they do not claim it in this time period, they are not eligible for that compensation later on.

How Smart Apple Can Help You to Get Workman’s Compensation Insurance in NYC

Smart apple is an insurance agency based in Jamaica New York which provides workers’ compensation insurance quotes at the cheapest rates. We make sure that you do not lose much and are offered good rates on all your insurances. All the companies have different rates they have to provide their employees and depending on the company, we offer good and cheap insurance policies from different insurance companies.


Call us at (718) 523-5353 or email us at info@smartapple.us to discuss your business insurance needs. Or you can fill this quote form to get an instant quote. We offer our services in New York City Area including Manhattan, Bronx, Brooklyn, Queens, Staten Island.


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