Small-business cover in New York.
In New York, workers’ comp is required at Required for virtually all employers with one or more employees (WCL §2 and §3)[S]New York workers' compensation threshold. Workers' compensation is broadly mandatory for employers under New York Workers' Compensation Law. New York City and other municipalities add local licensing for many trades. Employers must also provide separate disability benefits (DBL) coverage. Regulated by the New York Workers' Compensation Board.
Updated 2026-05-16 · Beaconcover editorialWhat New York requires.
Required for virtually all employers with one or more employees (WCL §2 and §3)[C]New York workers' compensation threshold
Workers' compensation is broadly mandatory for employers under New York Workers' Compensation Law. New York City and other municipalities add local licensing for many trades. Employers must also provide separate disability benefits (DBL) coverage. Regulated by the New York Workers' Compensation Board.
State licensing notes.
- Mandatory disability benefits (DBL) coverage is separate from workers' comp
- NYC home-improvement contractors require a local license