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Key takeaways
- Virtually all New York employers must carry workers' comp.
The rule
Virtually all New York employers must carry workers' comp. NYC DCWP home improvement contractor applicants must show coverage.
Compare states
| State | When workers' comp is required | Source |
|---|---|---|
| California | All employers (Labor Code 3700); C-39 roofers even with no employees | DIR / CSLB |
| Texas | Most private employers may opt out as non-subscribers (notice rules apply) | TDI-DWC |
| Florida | Construction: 1 or more employees (owners count; officers may exempt) | FL CFO |
| Georgia | 3 or more regular employees | SBWC |
| New York | Virtually all employers | NY WCB |
| Washington | Through L&I state fund (monopolistic) | WA L&I |
Check the license behind the policy
Insurers and clients look at your license status first. See what the state shows for you — free.
Data
Verify coverage with the official source below.
Compare contractor insurance quotes
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Checklist
New York workers' comp checklist
- Count employees per your state's rule
- Buy coverage or document an exemption
- Keep the certificate on file for clients/GCs
Partner slot — New York workers' comp quotes (partner approval pending). No link yet.