Workers’ Compensation Coverage Requirements

Virtually all employers in New York State must provide workers' compensation coverage for their employees (WCL §2 and 3). Employers must post notice of coverage in their place(s) of business (WCL §51).

The following links provide specific coverage requirements for workers' compensation insurance:

• Athletic Leagues/Teams/Businesses
• Black Car Operators
• Borrowed Employees
• Family Members
• Farms
• For-Profit Businesses
• For-Profit Corporation With No Employees
• Foreign Government Employees
• Household Employers (Employers of Domestic Workers)
• Independent Contractor
• Jockey Fund
• Leased Employees
• Licensed Insurance Agents
• Licensed Real Estate Agents
• Media Sales Representatives
• Native American Enterprises
• New York Employers Working Outside NYS
• Nonprofit Entities
• Nonprofit Entities With No Employees
• Out-of-State Employers with Employees Working in NYS
• Out-of-State Employers with Employees Who Live In NYS, But Work Elsewhere
• Partnerships, Limited Liability Companies (LLCs) or a Limited Liability Partnerships (LLPs)
• Performing Artists
• Religious Organizations & Charitable Aid
• Sole Proprietorships
• Spouse of Employer
• Student Interns
• Taxi/Livery
• Unions
• Volunteers

Volunteer Firefighters and Volunteer Ambulance Workers are provided benefits for death or injuries suffered in the line of duty under the Volunteer Firefighters' Benefit Law and Volunteer Ambulance Workers' Benefit Law.