Site Navigation

About Us |
Contact Us |
Forms |
District Offices

Section Navigation

The Players in the System
Who Is and Is Not
Covered by the Law
Who Is An Employee?
Who Is an Independent Contractor?
Business Permits - Licenses - Contracts
Out-of-State Employers Working in NYS
Employers'
Rights and Responsibilities
Complying with the Law
Obtaining Insurance
Penalties for Not Having Insurance
Understanding Insurance
When an Accident Happens
Return to Work
Construction Employment Payroll Limitation
Workplace Safety
State Insurance Fund Information
Resources for Employers

Workers' Compensation Coverage

Understanding Workers' Compensation Insurance

Understanding Insurance
Loss Costs
Experience Modification Factor
Assessments
Terrorism
Payroll
Misrepresentation

NY Construction Employment Payroll Limitation
Audit
Policy Cancellations
The High Cost of Going Without Workers’ Compensation Insurance
Uninsured Employers Fund

Terrorism

Although workers' compensation premiums always covered workers for job related injuries and illnesses related to acts of terrorism, policy premiums now have the cost of this terrorism insurance specifically itemized.