Workers’ compensation insurance is essential for New York contractors—especially when employees are working across state lines. This coverage protects both the employer and the employee in the event of workplace injuries, ensuring medical expenses and lost wages are covered. However, when employees work out of state for extended periods, workers’ compensation becomes more complex.
Below, we explore three common scenarios involving New York contractors with employees working out of state, and how workers’ compensation insurance applies in each case.
Scenario 1: Office in New York, Worker Lives in New York, Injury Occurs in New York
In this straightforward situation, the employer’s office and the worker’s residence are in New York, and the injury occurs on a job site within the state. New York workers’ compensation laws apply.
Key Points:
- The worker is entitled to benefits under New York workers’ compensation laws.
- The employer’s policy, assuming it covers New York, will handle the claim.
- No additional cross-state coverage is needed.
Scenario 2: Office in New York, Worker Lives in New York, Injury Occurs in New Jersey
In this case, both the office and the worker’s residence are in New York, but the injury occurs on a job site in New Jersey. Although the worker is covered under New York’s workers’ compensation policy, New Jersey laws may come into play—especially if the employee seeks benefits there.
Key Points:
- New York workers’ compensation coverage generally applies, but the worker may also pursue a claim under New Jersey law.
- It’s critical for the employer to ensure their policy extends coverage to New Jersey.
- The policy must clearly state out-of-state coverage to avoid claim denials or legal issues.
Scenario 3: Office in New York, Worker Lives in New Jersey, Injury Occurs in New Jersey
This scenario is the most complex. The employer is based in New York, but the employee lives and is injured in New Jersey. Due to the worker’s residence and the injury’s location, they may be eligible to file under New Jersey’s workers’ compensation system.
Key Points:
- The employee may file a claim under New Jersey law.
- Employers must ensure their policy includes out-of-state employee coverage, particularly for New Jersey.
- Failing to have proper coverage can lead to uncovered claims and legal consequences.
Why Choose BGES Group for Your Workers’ Compensation Needs?
Navigating workers’ compensation across state lines is challenging—but BGES Group is here to help. We specialize in workers’ compensation insurance and understand the nuances of multi-state coverage. Whether your employees are in New York, New Jersey, or elsewhere, we’ll help you find a policy that offers the protection you need.
Unsure if your current policy covers your situation? Looking to switch providers? Contact Gary Wallach at 914-806-5853 or email bgesgroup@gmail.com to get answers and options.
What Clients and Contractors Are Saying About BGES Group
Here are five real testimonials from clients and professionals who have turned to BGES Group for help:
- Nick C. – “Gary was super helpful and got me a workers’ comp quote in minutes. Highly recommend BGES Group. And he’s funny!”
- Tom C. – “Gary did a great job. He sent me multiple quotes for my comp insurance and advised which one would be best for my company. Thank you—I appreciate the assistance.”
- Kevin M. – “Gary Wallach of BGES Group is amazing. He helped me insure my construction project and made it easy. Not only did he save me money, but he also got me the exact coverage I needed. A great guy—highly recommend him for all your insurance needs.”
- Seamus R. – “You can’t ask for anyone more genuinely helpful than Gary. I was stuck dealing with huge national companies and didn’t know what to do. Gary jumped in and sorted it out. A wealth of knowledge—and a really nice guy. THANKS GARY!”
- Lawrence A. – “Gary is a one-of-a-kind broker. He responds to our emails right away and always works hard to find the right policy. It’s a pleasure working with him—he’s always there when you need him.”
Contact BGES Group Today
When it comes to protecting your business and employees, trust the specialists. Call Gary Wallach at 914-806-5853, email bgesgroup@gmail.com, or visit www.bgesgroup.com to get started today.
BGES Group is one of the Tri-State area’s leading construction insurance specialists, representing 50+ companies and offering the best general and umbrella liability programs. We provide all necessary coverage, including:
- Property
- Builders’ Risk
- Inland Marine
- General Liability
- Umbrella Liability
- Commercial Auto
- Bid & Performance Bonds
- Workers’ Compensation
- NYS Disability
- Group Health
We go beyond the policies we provide—offering dedicated service via call, text, or email, even on weekends. We understand how important your business is, and we’re here to support you every step of the way.
Special Workers’ Compensation Programs Available
BGES Group are Workers’ Compensation Insurance Specialists for Tri-State Business Owners. Whether you’re facing:
- High rates
- Policy cancellations
- Claims issues
- Misclassified payrolls
- Audit disputes
We can help!
We offer exclusive programs for:
- Auto Services
- Contractors (especially in New York)
- Limousine Services
- Logistics Companies
- Manufacturers
- Recyclers
- Truckers
As Preferred Agents for one top-rated program, we can provide excellent pricing, long-term stability, and multi-state coverage—plus simplified audits.
Contact Information
Company: BGES Group
Address: 216A Larchmont Acres West, Larchmont, NY 10538
Email: bgesgroup@gmail.com
Phone: 914-806-5853
Website: www.bgesgroup.com
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