New York business insurance guide: required workers' comp, disability benefits (DBL), and paid family leave (PFL) — the full NY employer coverage picture.
State Guides | 8 min read | 2026-03-05
New York doesn't just require workers' comp — it mandates disability benefits and paid family leave too. Here's what employers need to know about the state's layered insurance requirements.
New York is one of the most demanding states for employer-funded insurance. While most states require only workers' compensation, New York mandates three separate coverages: workers' compensation, disability benefits (DBL), and paid family leave (PFL). Each has its own rules, carriers, and compliance requirements.
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