Workers' Compensation Insurance
Comprehensive Workers' Compensation Solutions from Your Trusted Commercial Insurance Broker
At Aebly & Associates Insurance Services, we understand that workers' compensation insurance is essential for protecting your business and employees. As your experienced commercial insurance broker and insurance agency, we provide comprehensive workers' compensation programs tailored to meet your specific business needs while ensuring compliance with New York State requirements.
Contact Our Workers' Compensation Specialists
📞 Phone: 716-675-2100
📧 Email: [email protected]
Comprehensive Workers' Compensation Programs
Flexible Coverage Options
The professional staff at Aebly and Associates insurance can provide a wide variety of workers' compensation insurance programs to best fit your specific needs:
Traditional Coverage Options:
- Fully Insured Guaranteed Cost Plans - Predictable premiums with comprehensive coverage
- Dividend Plans - Potential premium returns based on favorable loss experience
- Managed Care PPO Plans - Cost-effective medical management with preferred provider networks
Advanced Funding Solutions:
- Large Deductible Plans - Reduced premiums with controlled claim costs
- Retrospectively Rated Plans - Premium adjustments based on actual loss experience
- Self-Funded Programs - Maximum control over claims management and costs
- State Insurance Fund - Government-backed coverage option
- Captive Insurance - Alternative risk transfer for qualified businesses
Understanding Workers' Compensation Law
Essential Protection for Your Business
Workers' compensation insurance provides cash benefits and medical care for workers who are injured or become ill as a direct result of their job. As your independent insurance agent, we ensure you understand that employers pay for this insurance and may not require employees to contribute to the cost.
No-Fault Coverage System
In workers' compensation cases, no party is determined to be at fault. Benefits are paid based on work-relatedness, not negligence. However, workers lose compensation rights if injury results solely from intoxication or intent to injure themselves or others.
Who Requires Coverage?
Covered Employees
Mandatory Coverage Includes:
- Workers in all employments conducted for profit
- County and municipal employees in hazardous work
- Public school teachers and aides
- State of New York employees
- Domestic workers (40+ hours/week)
- Farm workers (employers paying $1,200+ annually)
Coverage Exemptions
Not Covered:
- Clergy and religious order members
- Certain maritime, railroad, and federal employees
- Casual workers in residential settings
- Sole proprietors and partners (voluntary coverage available)
Benefits Structure
Cash Benefits
Cash benefits equal two-thirds of average weekly wage, subject to statutory maximums. Benefits begin after a seven-day waiting period unless disability exceeds fourteen days. Our expertise as your employee benefits broker ensures proper benefit coordination with group health insurance and other employee benefits.
Medical Benefits
Injured workers receive necessary medical care directly related to their work injury. Workers may choose authorized physicians, chiropractors, podiatrists, psychologists, and hospitals. Preferred Provider Organizations (PPOs) offer cost-effective medical management.
Disability Classifications
Coverage includes:
- Temporary Total Disability - Complete but temporary wage loss
- Temporary Partial Disability - Partial and temporary wage loss
- Permanent Total Disability - Permanent and complete wage loss
- Permanent Partial Disability - Partial permanent wage loss
- Schedule Loss - Specific body part loss compensation
- Disfigurement - Facial, head, or neck disfigurement awards
Integration with Business Insurance Strategy
Comprehensive Risk Management
As your insurance agency, we understand how workers' compensation insurance integrates with your overall business insurance portfolio. Our expertise includes coordinating coverage with professional liability insurance, general liability, and other commercial insurance products.
Small Business Insurance Solutions
For small business insurance clients, workers' compensation represents a significant investment in employee protection. Our independent insurance agent approach ensures you receive competitive rates while maintaining comprehensive coverage.
Claims Management Excellence
Effective claims management reduces costs and improves outcomes. Our commercial insurance broker team provides ongoing support for claims administration, return-to-work programs, and loss control initiatives.
Why Choose Aebly & Associates?
Expert Guidance and Support
With extensive experience in workers' compensation insurance, our team provides expert guidance through complex regulations and coverage options. We stay current with New York State requirements and industry best practices.
Competitive Market Access
Our relationships with multiple carriers ensure competitive pricing and comprehensive coverage options. As your independent insurance agent, we're not tied to any single carrier, providing objective advice aligned with your interests.
Integrated Service Approach
Beyond workers' compensation, we provide complete business insurance solutions including group health insurance, professional liability insurance, and employee benefits coordination.
Get Started Today
Ready to protect your business with comprehensive workers' compensation insurance? Contact our expert team at Aebly & Associates Insurance Services to discuss your coverage needs and receive competitive quotes.
Call us at (716) 675-2100 to schedule a consultation with our workers' compensation specialists.