Are you looking for legal representation? How much do you value your time and hard-earned money? Then look no further because whenever you require legal representation, the Law Offices of Vincent Miletti, Esq., the Strongest Name in Law, got your six. We are the authoritative force in Employment & Labor Law, providing diverse legal services in both a traditional and online, web-based environment, whether it be for small or large-scale businesses on a panel or a case-by-case basis. Hitherto, serving as primary counsel or cumis counsel, we are not only taking over the industry when it comes to Employment Defense and Employment Practices, but also in Intellectual Property Defense (Trademark, Copyright, and Proprietary Information), Management Side Defense, Regulatory and Compliance, Business Law & Corporate Law, and Professional Liability, among others. Whether serving directly or on behalf of a third party (EPLI, D&O, E&O), we stay unusually motivated® to take on all your needs!

You can agree with us that, at times, getting the right legal representation and finding a good attorney feels like trying to catch a fish while running away from a twenty-foot high tide, especially when time and money are of the essence and the pressure of getting results before you move too far down the rabbit hole is building up. Certainly, only when you desperately need reliable legal representation, probably not from the types of Saul Goodman, will you understand the importance of having the right attorney by your side. So, do you need an attorney with the skills and legal expertise that match your needs? Operating in Brooklyn, New York, the larger New York City, and New York State, as well as in the firm’s new office located in Astoria Queens, your life-changing encounter with Vinny Miletti Esq., the founder and owner of Miletti Law®, whose legal expertise, knowledge, and experience has grown immensely over time since the firm first opened its doors is just an email and/or a call.

Still, in addition to providing legal services, you can concur with us that information is power, and, as such, we have diligently committed ourselves to creating a range of authoritative, trustworthy, and engaging content available on our website and social media platforms. In this regard, feel free to visit and follow us on Facebook, Instagram, Twitter, Yelp, and LinkedIn via the website, as well as subscribe to our Blog, YouTube Channel, and News Letter through and, and, respectively, to enjoy such content aimed to keep our unusually motivated® readers informed about how diverse legal issues affect them and/or their businesses.

To this end, this blog is Part III of our short series on “Employer Considerations Concerning Employment-Related Insurance.” In Part II, we provided insight into why employers of start-ups and growing businesses and companies in New York should consider purchasing EPLI in addition to other insurance policies. Regarding this consideration, we mentioned that EPLI (employment practices liability insurance) is a type of insurance policy aimed at covering businesses and companies against claims by employees who allege that their rights as employees of the company or business in question have been violated. However, we also emphasized that although EPLI can protect employers from lawsuits in which employees allege their rights have been violated in claims that include, but are not limited to, wrongful termination, discrimination, infliction of emotional distress, and sexual harassment, the type of plan and insurance carrier determine the degree of EPLI coverage.

As we move this discussion forward, we have, in this blog titled “Obtaining Workers’ Compensation Insurance under New York Law,” hammered on the importance of obtaining workers’ compensation insurance, as well as what applicable statutes in New York say about this insurance policy.

Obtaining Workers’ Compensation Insurance under New York Law

Unlike under disability insurance where employers are required to provide disability benefits insurance for off-the-job illnesses or injuries to employees, the workers’ compensation insurance serves to protect employers from claims arising from injuries workers may suffer while working. Notably, through this form of insurance policy, employers provide assurance that an employee would obtain medical care and be compensated using a portion of the income lost while the latter is not able to continue work as a result of an injury obtained while working.

Pursuant to NY Work. Comp. Law §§ 2–3, employers in New York are required to obtain workers’ compensation insurance to cater for illnesses and injuries obtained by employees while on-the-job. However, particularly when changing insurance carriers, employers should be cautious not to have any coverage lapses. This form of insurance policy is essentially important to both the employee and employer because, in addition to covering medical expenses and services, it typically constitutes protections for the employer’s legal representation, death benefits, permanent disability payments, and payments for temporary disability to cover lost earnings and wages.

Another key thing to note is that while employers are barred from requiring employees to contribute to or pay premium costs, as codified under N.Y. Work. Comp. Law § 31, it is the responsibility of the employer to pay any costs or contributions for insurance. As part of compliance under this statute, employers should also use Form C-105 to post a notice that they provide their employees with workers’ compensation insurance. Notably, employers should obtain Form C-105 from the insurance carrier of the workers’ compensation insurance they have chosen.

Be on the lookout for our next blog titled “Obtaining Unemployment Insurance under New York Law” and Part III of the series, in which we will discuss why employers, particularly those of start-ups and growing companies and businesses operating in New York, must obtain unemployment insurance. We will also review which statute requires employers to obtain this type of insurance policy and what they say about the same.

As usual, stay tuned for more legal guidance, training, and education. In the interim, if there are any questions or comments, please let us know at the Contact Us page!

Always Rising Above the Bar,

Isaac T.,

Legal Writer, Author, & Publisher.