Workers’ Compensation Insurance in New York

From busy storefronts in the Bronx to job sites in Albany, New York employers need reliable coverage that protects both their teams and their businesses. At F&T Insurance Agency, we help businesses across the state secure workers compensation insurance NY companies trust—with personalized guidance and proactive service that makes compliance easier.

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Local Help for NY Employers

Workers’ Comp That Keeps You Covered

We work with business owners across New York to provide workers comp coverage NY laws require—delivered with clarity and care. Whether you’re managing five employees or fifty, we help you secure affordable workers comp NY policies that protect your people and support your operations.

Medical Care & Recovery Support

When injuries happen, our workers’ comp plans help cover the cost of medical treatment, rehab, and ongoing care.

Lost Wages & Disability Benefits

If an employee can’t return to work right away, our policies help cover a portion of their wages—keeping your team supported through recovery.

Compliance for Every Business

New York’s regulations can be complex. We simplify the process, helping you avoid gaps, penalties, or surprises.

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Questions New York Employers Ask

  • Is workers’ comp required in NY?

    Yes. If you have employees—even part-time—you’re required to carry workers comp coverage. We make sure you’re fully compliant.

  • What’s included in workers’ compensation insurance?

    It typically includes medical expenses, wage replacement, and disability benefits for injuries or illnesses that happen on the job.

  • Can I save money on my NY workers comp policy?

    Yes. We help you find affordable workers comp NY options by reviewing your business type, safety history, and coverage needs.

  • Do I need to cover contractors or subcontractors?

    Depending on the situation, yes. We’ll help clarify who needs coverage and how to stay compliant.

  • What happens after an injury claim?

    We guide you through the full process—reporting, documentation, follow-up—so your employee gets care and your business stays on track.

New York Support That’s Always On

Let’s Protect Your Workforce Together

At F&T Insurance Agency, we’re more than a provider—we’re your partner in protection. We help New York businesses stay compliant, care for their employees, and move forward with confidence.

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