NYC Workers Compensation Insurance: Unique Risks of “The City”

Everything about “The City” is unique. For business owners in New York City, whether that’s Manhattan or any of the boroughs, NYC worker’s compensation insurance is no different.

Business owners operating in NYC face a unique and nuanced set of risks when in comes to worker’s comp insurance, including:

  • Congested employee commute,
  • Densely-packed environment,
  • High-rise buildings,
  • High-volume, high-coverage value certificate of insurance requirements,
  • and more…

Because of these unique risks, finding the right worker’s compensation insurance in NYC, can be a challenge.

Watch this short video or keep reading to learn the solution…

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Workers Compensation Insurance NYC

If you have employees in New York City, you must have worker’s comp. That’s not a NYC thing, that’s a New York State law.

You also need to have a Short-term Disability and Paid Family Medical Leave policy as well. Don’t forget about the short-term disability (many business owners are unaware of this NYS requirement).

Unique NYC Worker’s Comp Risks

What are some of the unique risks that New York City business owners face, that no one else has to deal with?

High-Rise Buildings

First and foremost, high-rises. Most insurance companies do not like high-rises buildings because there are many different ways people can get injured. Specific to NYC, many past events have shown New York City to have the added risk of being an attractive target for different forms of terrorism and general malicious acts.

Commute to Work

Additionally, you have, per capita, all these people jammed on top of each other. Employees can claim worker’s compensation benefits from an injury suffered during their commute. You can get injured on the subway, driving in, there are a million ways that people could get injured on their commute.

Remote Workers

Another concern is worker’s compensation for remote workers. Many businesses in New York City have offices where you’re doing work, but now you also have individuals who are working remotely.

There may be people working in New Jersey, or you may have people up in Connecticut or anywhere else in the country or the world even.

How to Get Worker’s Comp in NYC

Despite the challenges, you can find NYC worker’s comp insurance that fits your business.

The key is finding an insurance agent you can trust who understands the New York City market and itschallenges.

You need to find an insurance agent who will walk you through this process and make sure that you’re setting your policy up correctly. They must have a feel for the best worker’s compensation insurance company your specific business and how they relate to the unique risks that come along with NYC.

Because insurance companies that don’t understand New York City or don’t have experience writing workers’ comp there can potentially have higher rates and gaps in coverage.

Here is the process for buying the right NYC worker’s comp insurance:

  1. Find an insurance agent you can trust.
  2. Verify worker’s comp class codes and payroll.
  3. Place coverage with the correct insurance carrier.

For bonus points to can implement a worker’s comp service plan to push costs down and employee efficiency up. We call this process RogueRisk365.


Reducing Your Insurance Premiums Is Only The Beginning


Our proprietary, RogueRisk365® program puts you in a position to “Win” the insurance game.

By focusing not just on reducing insurance premiums, but Total Cost of Risk, our clients create a sustainable safety culture that cuts costs and frees up cash flow that belongs in their bank account, not with an insurance company. Here are a few of our services:

  • Experience Mod Audit
  • Market Analysis & Placement
  • Premium Audit Review
  • 24/7 HR Hotline
  • Handbook & Document Building
  • e-Learning Platform
  • 24/7 Injury Nurse Triage Hotline

The Rub

Purchasing worker’s compensation insurance in NYC doesn’t have to be a hassle, but you do need to know what you’re doing.

“The City” is a unique place. If you can make there, you can make it anywhere (I couldn’t help myself).

Don’t put your business at risk by working with someone who doesn’t understand NYC or worse, going online to purchase, “Do-it-Yourself” worker’s comp insurance.

Workers’ compensation is what we do here at Rogue Risk.

If your current insurance professional has never addressed issues such as total cost of risk or return to work programs with you before, then I’d encourage you to reach out to us today.

I look forward to introducing you to a new way of viewing your insurance program.

Thank you,

Ryan Hanley

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