New York state law requires every business that has employees, full-time or part-time, to carry workers’ compensation insurance. This policy covers medical bills for work injuries and protects employers from liability over an injury.
All business-owned vehicles in New York must be covered by commercial auto insurance. Though it's not required, personal vehicles driven for work purposes should be covered by hired and non-owned auto insurance, as personal auto policies usually exclude business use. It can be added to general liability insurance or a business owner's policy.
New York's commercial auto insurance requirements are:
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In New York, insurance agents, agencies, and brokers are licensed by the New York State Department of Financial Services. Insureon is licensed in New York as BIN Insurance Holdings, LLC (NPN 15752926) for property and casualty insurance (agent license PC-1155635, broker license BR-1155635) and for surplus lines (license EX-1155635). You can verify our licensure with the New York State Department of Financial Services Insurance by selecting “Business Entity” in the first dropdown and then entering our New York state license (1155635).