Workers' Compensation Insurance
Most employers are required to purchase Workers' Compensation insurance under New York State law. It provides benefits to your employees for employment-related accidents and sickness, on a no-fault basis. It also provides a loss of earnings benefit, which can be paid for permanent total, permanent partial, temporary total, or temporary partial disability
You also purchase Employer’s Liability coverage with a Workers’ Compensation policy. This helps protect your business if it is sued by your employees or their family members in connection with an on-the-job illness or injury.
For physician practices
The Hartford Workers' Compensation program includes special benefits for needle-stick injuries to employees. The program pays for both the initial cost of testing your employee and reimburses the initial cost of testing the source patient.
(Information provided is a summary only. For complete termsand limitations, please refer to the applicable Certificate or Policy of Insurance. Specimen copies available upon request.)