What Workers’ Compensation Insurance Requirements Apply in New York?

New York requires workers’ compensation coverage for virtually all employers with employees. An out-of-state employer must carry full New York coverage when it meets the Board’s listed work, location, licensing, or prior-year worker-day tests; that full coverage is shown by New York in Item 3A of the policy information page.

What Is Workers’ Compensation Insurance?

Workers’ compensation can pay medical care and part of an employee’s lost wages after a work-related injury or illness. If you have staff, check who is covered in each state; owners, contractors and some workers may be treated differently. Read the national Workers’ compensation guide.

What to Watch for With Workers’ Compensation in New York

List Every Employer Entity Using Shared Workers
The Board says a parent policy must list each subsidiary legal entity that uses borrowed employees and show coverage under each entity’s FEIN. Ask the broker to match policy entities to payroll and contracts rather than assuming a parent’s policy automatically covers every subsidiary. ¹
Out-of-State Employers Need Item 3A When a Test Applies
New York’s Board lists tests including a New York physical location or primary worksite, a state/municipal permit or contract, construction work, or prior-year work of 40 hours per week for over two weeks or 25 individual employee-days. If a test applies, confirm New York appears in Item 3A before deployment. ²
Occasional Meetings Use a Narrower Policy Entry
For infrequent meetings (no more than once a month) or uninterrupted transit through New York, the Board says 3C may replace full statutory coverage if the employer carries workers’ compensation required by its home state and lists New York in Item 3C. If the carrier is not authorized in New York, it must file Form C-105.11; ask the broker to confirm the carrier and filing before relying on this limited route. ²
NYSIF Must Offer Coverage to Employers Seeking It
The Board says NYSIF must insure any employer seeking coverage regardless of business type, safety record, or size, unless the employer owes it money from a prior account. If voluntary-market quotes fail, ask whether NYSIF can offer coverage before assuming no policy is available. ³

Which Workers’ Compensation Providers Have New York License Records?

These providers publish a national listing for Workers’ compensation; the license records below name the licensed entities and roles. Some records rely on company-reported information rather than independent regulator verification. A national listing does not confirm the product is available in New York. Check the regulator’s license lookup and confirm state availability for your business when requesting a quote.

Corgi
Insurance producer · checked 2026-09-28
Corgi Insurance Services, Inc.
Corgi’s company producer-license table lists 50 jurisdictions: 49 states and the District of Columbia, including DC license 3003091619. New Mexico does not appear in the table and is not included here; the omission does not establish that Corgi is unlicensed there. The company-reported table has no stated as-of date and does not establish product availability. ¹⁴
Corgi lists workers’ compensation insurance.
Hiscox
Insurer · checked 2026-09-28
Hiscox Insurance Company Inc.
Hiscox’s U.S. company information states that Hiscox Insurance Company Inc. is licensed in all 50 states and the District of Columbia. This is company-reported insurer authority for this entity and does not establish which company issues every Hiscox-branded product. ¹⁵
Hiscox provides access to workers’ compensation underwritten by Hartford Fire Insurance Company and requires a general liability policy.
TechInsurance
Insurance producer · checked 2026-09-28
Specialty Program Group LLC
TechInsurance’s current licensing page names Specialty Program Group LLC / SPG Insurance Solutions and lists state license numbers, but labels Rhode Island “Individual licenses” rather than identifying a license for the named agency. RI is omitted because this disclosure does not establish agency authority there; this is a search limitation, not an assertion that the company is unlicensed. The remaining state entries are company-reported and are not an insurance product availability map. ¹⁶
TechInsurance arranges workers’ compensation insurance for small businesses.
Vouch
Insurance producer, Surplus-lines broker · checked 2026-09-28
Vouch Specialty Insurance Services, LLC
Vouch’s licenses page, effective January 16, 2025, lists producer licenses in all 50 states and DC. Its separate surplus-lines table includes Idaho number 870820, while a footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses. Because those statements conflict for Idaho, this record keeps Idaho producer-only and does not treat the table number as established agency surplus-lines authority. The page is company-reported and does not establish product availability. ¹⁷
Vouch lists workers’ compensation among core coverages for technology companies.

Who Regulates Insurance in New York?

New York State Department of Financial Services

New York DFS supervises insurance companies and producers, administers insurance law and accepts consumer complaints about property and casualty policies, including commercial insurance. ^4,^5,^6,⁷

Website: Regulator website
License lookup: Search licensed producers
Complaints: File a complaint
Phone: 800-342-3736

Surplus-Lines Tax and Stamping Office in New York

Reported tax rate. 3.6% of gross premium, less returned premium; ELANY stamping fee is 0.15% through 2026 and 0.17% for policies incepting on/after Jan. 1, 2027 ^8,^9,^10,¹¹

When New York is the insured’s home state, excess-line tax is 3.6% of gross premium less returned premium. ELANY’s September 20, 2026 bulletin sets a 0.15% stamping fee through December 31, 2026 and 0.17% for policies incepting on or after January 1, 2027; statutory search requirements and guaranty-fund protection depend on the applicable New York excess-line rules.

Excess Line Association of New York

Questions to Ask Before You Buy Workers’ Compensation in New York

Which legal entities and FEINs using our workers appear on the New York policy?
Do our New York visits meet a listed workday, contract, or construction test requiring Item 3A?
If our visits are only monthly meetings, has the carrier confirmed Item 3C and home-state coverage?

Workers’ Compensation Insurance in New York: FAQ

Does an out-of-state workers’ comp policy cover New York work?

Only if it meets New York’s coverage rules. When a listed test applies, New York must appear in Item 3A; qualifying infrequent meetings or transit may use Item 3C with home-state coverage. ²

Does New York require coverage for one employee?

Yes, for virtually all employers with employees, subject to the Board’s specific statutory exceptions. ¹

Sources for Workers’ Compensation Insurance in New York

1
Workers’ Compensation Coverage Requirements. New York State Workers’ Compensation Board; Overview: virtually all employers must provide coverage; cited WCL §§2–3; accessed 2026-09-28. Accessed 2026-09-28.
2
Is Workers’ Compensation Coverage Required? New York State Workers’ Compensation Board; Out-of-state criteria, Items 3A and 3C, worker-day thresholds, subsidiaries and borrowed employees; accessed 2026-09-28. Accessed 2026-09-28.
3
Workers’ Compensation Insurance. New York State Workers’ Compensation Board; NYSIF, carrier, and qualified self-insurance routes; accessed 2026-09-28. Accessed 2026-09-28.
4
New York State Department of Financial Services. New York State Department of Financial Services; Official regulator homepage. Accessed 2026-09-28.
5
Who We Supervise. New York State Department of Financial Services; DFS describes insurance oversight and provides links to company and producer searches. Accessed 2026-09-28.
6
Insurance License Search. New York State Department of Financial Services; DFS portal performs public insurance producer license searches; it displays a CAPTCHA to limit automated access. Accessed 2026-09-28.
7
Consumer Complaints. New York State Department of Financial Services; Official portal files insurance complaints for health, life and property/casualty insurance. Accessed 2026-09-28.
8
New York Insurance Law §2118(d)(1). New York State Senate; Current statutory text: 3.6% of gross premiums less returned premium when New York is the insured’s home state. Accessed 2026-09-28.
9
ELANY Bulletin 2026-20: Notice of Change in Stamping Fee. Excess Line Association of New York; September 20, 2026 bulletin: 0.17% applies to policies incepting from Jan. 1, 2027; endorsements on policies incepting Jan. 1, 2023–Dec. 31, 2026 retain 0.15%; excess-line tax remains 3.6%. Accessed 2026-09-28.
10
New York Insurance Law §2118. New York State Senate; Excess-line broker duties and filing requirements; §2118(a) due care; exceptions should be applied only where statutory conditions are met. Accessed 2026-09-28.
11
New York Insurance Law §2118. New York State Senate; Excess-line statutory duties and policies; source is used for placement context. No state-specific guaranty cap/note included. Accessed 2026-09-28.
12
Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
13
Licenses and Carriers. Coalition; Licenses and Carriers, re-read 22 September 2026: Insurance Licenses table for Coalition Insurance Solutions, Inc., national producer number 18419475, with producer and surplus-lines numbers for all 50 states and DC including California 0L76155, Georgia 196479, Texas 2199630 and 2205589, Pennsylvania 815731 and 817452, Colorado 539028 and Wisconsin 3000108852. Insurance Carriers table naming, with NAIC numbers, Allianz Underwriters Insurance Company 36420, Arch Specialty Insurance Company 21199, Ascot Specialty Insurance Company 45055, Ascot Insurance Company 23752, Aspen Specialty Insurance Company 10717, Chaucer Insurance Company DAC, Coalition Insurance Company 29530, Fireman's Fund Indemnity Corporation 11380, Fortegra Specialty Insurance Company 16823, Lloyd's of London, MSIG Specialty Insurance USA Inc. 34886, MS Transverse Specialty Insurance Company 41807, Steadfast Insurance Company 26387, Vantage Risk Specialty Insurance Company 16275 and Zurich American Insurance Company 16535. Accessed 2026-09-22.
14
Insurance Producer Licenses. Corgi Insurance; Current complete Insurance Producer Licenses table for Corgi Insurance Services, Inc.; 50 rows covering 49 states and DC (DC 3003091619); no New Mexico row; no NPN or as-of date shown. Accessed 2026-09-28.
15
About Hiscox US Insurance. Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent and Lloyd’s coverholder for Syndicates 33 and 3624; surplus-lines placements through licensed surplus-lines brokers; A.M. Best rating statement. Accessed 2026-09-16.
16
Insurance Licenses by State. TechInsurance; Current state table; identifies TechInsurance as a division of Specialty Program Group LLC d/b/a SPG Insurance Solutions; lists DC 3000041536 and labels Rhode Island “Individual licenses,” without an agency license number. Accessed 2026-09-28.
17
Licenses. Vouch; Effective 16 January 2025: Vouch Specialty Insurance Services, LLC, NPN 19926463; P&C table (50 states and DC); surplus-lines table includes Idaho 870820; footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses; Idaho retained as producer-only due to conflict. Accessed 2026-09-15.

What Workers’ Compensation Insurance Requirements Apply in New York?

What Is Workers’ Compensation Insurance?

What to Watch for With Workers’ Compensation in New York

List Every Employer Entity Using Shared Workers

Out-of-State Employers Need Item 3A When a Test Applies

Occasional Meetings Use a Narrower Policy Entry

NYSIF Must Offer Coverage to Employers Seeking It

Which Workers’ Compensation Providers Have New York License Records?

Corgi

Hiscox

TechInsurance

Vouch