Workers’ Compensation Insurance
Protect Your Team. Protect Your Business.
What Is Workers’ Compensation Insurance?
Workers’ Compensation Insurance is more than just a legal requirement in New York — it’s a cornerstone of responsible business ownership. If an employee gets hurt or sick on the job, this policy helps cover their medical bills, lost wages, and rehabilitation. It also protects your business from lawsuits and financial liability.
At United Coverage, we tailor Workers’ Comp policies that fit your workforce, industry, and budget — whether you’re running a 5-person landscaping crew or a 200-employee warehouse.
What It Covers?
Medical Expenses
Covers hospital bills, surgeries, prescriptions, and ongoing care for job-related injuries or illnesses.
Lost Wages
Reimburses a portion of employee income while they recover and can’t work.
Rehabilitation Services
Provides access to physical therapy, vocational training, or accommodations that help employees return to work safely.
Death Benefits
Offers financial support to the family of an employee who passes away due to a work-related incident.
Legal Protection
Workers’ Comp limits employer liability and protects your business from employee lawsuits related to injuries.
Required in New York — No Exceptions
In New York, Workers’ Compensation is mandatory for nearly all employers — including part-time, seasonal, and family employees. Businesses that skip it risk serious fines, legal trouble, and exposure to out-of-pocket claims.
We’ll help ensure you’re in full compliance with:
- NY State Workers’ Comp Board rules
- Industry-specific class codes
- Proper employee classification (W2 vs 1099)
- Certificate of Insurance (COI) issuance for vendors, GCs, and landlords
Coverage for Every Industry
At United Coverage, we insure a wide range of industries, including:
- Construction & Contracting
- Restaurants & Hospitality
- Professional Services & Office Staff
- Manufacturing & Logistics
- Retail & Franchises
- Healthcare & Home Care Providers
- Real Estate & Property Management
- Janitorial & Maintenance Companies
From desk injuries to job site accidents — we’ve got you covered.
Workers’ Comp premiums are based on:
Smart investors know insurance is a tool, not a cost. Enhance your program with:
How Much Does It Cost?
Want to lower your premium? We’ll help you:
- Reduce your Experience Mod (MOD rating)
- Ensure accurate payroll reporting
- Avoid over classification or unnecessary codes
Why United Coverage?
- We Know the System
We guide you through state filings, audits, and compliance like a seasoned pro — because we are. - Built for Business Owners
We explain everything without the fluff, help reduce premium waste, and deliver service that matches your hustle. - Fast Certificates
Need a COI to get paid or start a job? We issue same-day certs with no drama. - Audit Assistance & Payroll Integration
We make sure you’re set up for smooth year-end audits and offer connections to payroll providers for simplified reporting.
Get Your Workers’ Comp Quote Now!
Let’s build a policy that works as hard as your team does — and keeps your business safe while doing it.
Let’s Talk Coverage That Works
