NY Insurances Required

New York requires most employers to directly purchase Workers' Compensation, Disability and Paid Family Leave Insurance.

WORKERS’ COMPENSATION INSURANCE

Household employers in New York must provide workers compensation to household employees who work 40 or more hours per week. Employers must also post a notice of workers' compensation coverage (Form C-105) obtained from their workers' compensation carrier. Please note that the workers’ compensation insurance rider of a homeowner’s insurance policy does not cover any domestic employees in New York for workers’ compensation benefits. Information on obtaining coverage on the Workers Compensation Board website.

You can obtain Workers’ Comp insurance from our partner, Bhalu Insurance. They’re experts in Workers Comp Insurance for household employers.

DISABILITY INSURANCE

Household employers in New York must purchase insurance to provide disability benefits to employees who work 20 or more hours per week. Such insurance can be purchased from a private insurance company or the State Insurance Fund.

PAID FAMILY LEAVE INSURANCE

Household employers in New York must purchase insurance coverage to provide Paid Family Leave to household employees who work 20 or more hours per week. Domestic workers are eligible for benefits once they have been in employment for 26 consecutive weeks. New York’s Paid Family Leave provides employees with job-protected, paid time off to bond with a newly born, adopted, or fostered child, care for a family member with a serious health condition, or assist loved ones when a family member is deployed abroad on active military service.