Are all employers required to have workers’ compensation insurance for construction accidents?

In New York, employers are required to have workers’ compensation insurance that will cover employees in the event of a construction accident. Generally, employers must obtain workers’ compensation insurance from a licensed insurance company before any construction work begins. The insurance should provide coverage for medical expenses, wages, and death benefits for employees who are injured on the job. Depending on the specific accident, the insurance may also cover other damages such as property damage and legal costs. Under New York state labor laws, all employers must provide workers’ compensation insurance to any employees who are involved in construction work. This includes both general contractors and subcontractors. Employers are also required to post notices informing employees of their rights to workers’ compensation in a visible area of the workplace. In cases where employers fail to provide workers’ compensation insurance, they may be subject to fines and other penalties. Even if the employer does not have a valid policy, employees may still be eligible to receive benefits from the state’s workers’ compensation fund. If the accident was caused by the employer’s negligence, they may also be liable to pay damages to the employee beyond the workers’ compensation coverage. In conclusion, New York requires all employers to have workers’ compensation insurance for construction accidents. This insurance should provide financial compensation and other benefits in the event of an accident. Failure to provide workers’ compensation insurance can result in fines and other penalties.

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Are all employers required to have workers’ compensation insurance for construction accidents?

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