What Happens If My Employer Doesn’t Have Workers’ Compensation Insurance in New York?

Employer Insurance Requirements in New York

New York State law requires nearly all employers to carry workers’ compensation insurance. This coverage protects both employees and employers when workplace injuries occur. Unfortunately, some companies fail to comply, putting workers at risk.

Call the KLFH workers’ compensation lawyers at (646) 956‑5808 for a free case evaluation.

Penalties for Employers Without Coverage

Employers who do not maintain coverage face severe penalties, including fines, criminal charges, and potential closure orders from the Workers’ Compensation Board. Lack of insurance does not excuse an employer from responsibility for employee injuries.

How Injured Workers Can Still File a Claim

If your employer is uninsured, you can still receive benefits by filing a claim through the Uninsured Employers Fund (UEF). The UEF steps in to pay wage replacement and medical costs while pursuing reimbursement from the noncompliant employer.

The Role of the Uninsured Employers Fund

The process can be complex, requiring detailed proof of employment and injury. You must demonstrate that you were an employee—not an independent contractor—and that the injury occurred while performing job duties. Gathering evidence early is crucial.

How KLFH Lawyers Protect Uninsured Worker Claims

The KLFH workers’ compensation lawyers have extensive experience handling uninsured employer cases. We ensure that your rights are protected, your claim is filed properly, and you receive benefits even when your employer fails to follow the law.

Call the KLFH workers’ compensation lawyers at (646) 956‑5808 for a free case evaluation.