Capell & Associates Inc.
Insurance Agency
Workers’ Compensation Insurance for New York
Required Coverage for Businesses With Employees
Serving Suffolk County, Nassau County & New York City
Capell & Associates Inc. provides workers’ compensation insurance for New York employers, with a primary focus on Suffolk County, extended service across Nassau County, and coverage for NYC operations. We help business owners secure compliant policies, manage audits, and maintain proper documentation.
Workers’ Compensation Coverage Explained
Workers’ compensation insurance is designed to respond when an employee is injured or becomes ill as a result of their job duties. Coverage typically includes:
Medical Benefits
Payment for hospital care, doctor visits, surgery, physical therapy, and prescribed medications related to a covered injury.
Lost Wage Benefits
Partial wage replacement when an employee is unable to work due to a work-related injury or illness.
Employer’s Liability Coverage
Protection for the employer if an employee alleges negligence in connection with a workplace injury.
Death Benefits
Coverage for funeral expenses and survivor benefits in the event of a fatal workplace accident.
New York State Compliance
Required postings, policy filings, and official forms necessary to remain compliant with NYS regulations.
