WorkersCompDecoded translates New York workers' compensation rules into clear, practical guidance. Almost every employer in the state must carry a policy, yet many small business owners are unsure where the line falls for part-time staff, family members, corporate officers or seasonal help.

Our guide on who needs workers comp coverage in New York walks through the employee definition, the few exemptions that exist and the penalties the Workers' Compensation Board can impose for going uninsured. Other sections cover claim filing, weekly benefits, settlements and premium costs.