Workers’ Compensation Insurance in Bethpage, NY & Levittown, NY
Workers’ compensation insurance is a vital safeguard for businesses and employees. The James V. Funaro Agency team understands the unique challenges local employers face and is committed to helping you navigate New York’s workers’ comp requirements.
What Is Workers’ Compensation Insurance? 
Workers’ compensation, often called “workers’ comp,” is a type of business insurance designed to protect both employers and employees when workplace injuries or illnesses occur. This coverage helps pay for medical expenses, lost wages, and rehabilitation costs if an employee is hurt on the job. Policy components can also provide important legal protection for employers by covering liability claims related to workplace injuries.
Who Needs This Coverage?
In New York, most businesses with employees are required by law to carry workers’ compensation insurance, even if you have only one part-time worker. This applies to a wide range of industries, including retail shops, restaurants and construction firms. Failing to maintain proper coverage can result in significant penalties and leave your business exposed to costly lawsuits.
What Does Workers’ Comp Cover?
A standard workers’ compensation policy may include coverage for the following:
- Medical care for work-related injuries or illnesses
- Partial wage replacement during recovery
- Rehabilitation services to help employees return to work
- Death benefits for families in the event of a fatal workplace accident
- Employer liability protection for certain legal claims
How James V. Funaro Agency Supports Local Businesses
Our team is dedicated to helping area employers secure the right workers’ comp policy for their needs. We take the time to understand your business, explain your coverage options and ensure you remain compliant with state regulations. We also offer guidance on workplace safety practices that can help reduce the risk of employee injuries and claims.
If you have questions about New York workers’ comp or want to review your current coverage, the team at James V. Funaro Agency is here to help. Contact us today to get started.