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Let’s dive into the essential benefits that ensure your employees are covered when it matters most.
Workers' Comp covers all necessary medical treatments related to a work-related injury or illness. This includes immediate care such as emergency room visits, as well as ongoing treatment like doctor visits, hospital stays, surgeries, and medications.
Workers' Comp provides partial income replacement for employees unable to work during their recovery. In NYC, this is typically 60-70% of their wage.
Workers' Comp offers compensation for partial or total, and temporary or permanent disabilities that affect the employee’s ability to work. This includes, carpal tunnel syndrome.
Workers' Comp covers the cost of physical therapy sessions to help employees regain strength and mobility after an injury, and mental health counseling to help employees manage any emotional impact.
Workers' Comp provides funding for training programs that help employees re-learn skills or learn new skills to transition to a new role if they cannot return to their previous position.
In this unfortunate event, Workers' Comp offers financial support to the family of an employee who dies as a result of a work-related injury, covering funeral expenses and providing ongoing financial aid.
New York City mandate that businesses with employees must have Worker’s Compensation insurance.
Failing to comply with these laws can result in severe penalties, including fines, legal fees, and even criminal charges in some cases.
By securing Worker’s Compensation coverage, you ensure that your business meets all legal obligations, avoiding these costly consequences.
Workers’ Compensation provides your business with essential protection against costly lawsuits arising from workplace injuries. By covering medical expenses and lost wages for injured employees, it significantly reduces the risk of legal action, ensuring that both your employees and your business are safeguarded.
With robust lawsuit protection, you can focus on running your business with confidence, knowing you’re covered if the unexpected happens.
Workers’ Compensation is a clear sign that you value your employees and are committed to their safety.
Not only does this allow employees to work confidently knowing they are protected in the event of an accident, but offering comprehensive benefits can help attract and retain top talent for your business.
In fact, employees are more likely to stay with a company that provides financial security and peace of mind.
Workers’ Compensation helps businesses manage the risks associated with workplace injuries by providing a structured way to handle claims.
It ensures that any incidents are dealt with efficiently and fairly, reducing the overall risk of prolonged disputes or costly legal battles.
This proactive approach to risk management helps maintain a safer work environment and can even lead to lower insurance premiums over time.
High-risk activities such as heavy machinery operation, working at heights, and exposure to hazardous materials make Worker’s Compensation essential in this industry.
Contractors frequently work in environments with inherent risks, such as construction sites, where they might be exposed to falls, heavy machinery, electrical hazards, and more.
Workers in manufacturing often deal with machinery, chemicals, and repetitive tasks, leading to a higher likelihood of injuries that require Worker’s Compensation coverage.
This industry involves long hours on the road, heavy lifting, and operating vehicles, which increases the need for Worker’s Compensation insurance.
Healthcare professionals face risks from lifting patients, exposure to diseases, and handling hazardous materials, making Worker’s Compensation crucial.
Retail workers are at risk of slip-and-fall accidents, lifting injuries, and repetitive strain injuries, making Worker’s Compensation a key protection.
With decades of experience, our highly-qualified team is prepared to handle all your insurance needs, guaranteeing precision, expertise, and attention to detail.
We put you first, with a customer support model that’s built around your needs, offering guidance and assistance whenever you need it.
Enjoy the confidence that comes from knowing your business is fully protected, with insurance solutions that give you one less thing to worry about.
We provide extensive coverage that’s both thorough and affordable, giving you top-tier protection without breaking the bank.
Our team of seasoned professionals delivers expert guidance with a commitment to excellence, making sure every aspect of your coverage is handled with the utmost care and precision.
Your business is unique, and so are our insurance solutions—crafted to fit your specific needs and deliver the best possible protection
Hear from the satisfied small business owners we’ve had the privilege to protect.
Worker’s Compensation covers your employees, but what about customers or visitors? General Liability Insurance protects your business from claims of bodily injury or property damage from third-parties that Worker's Comp doesn't cover.
Property Insurance protects your business’s physical assets. It covers damage to buildings, equipment, and inventory due to events like fire, theft, or vandalism. This ensures your business can recover quickly from unexpected physical losses that Worker’s Comp can’t cover.
Professional Liability Insurance steps in to protect your business from claims of negligence or errors that result in financial loss for your clients. It’s essential for safeguarding your reputation and finances against legal claims that Worker’s Comp doesn’t cover.
Whether it’s a lawsuit, property damage, or an unforeseen accident, the potential costs can be crippling. And it’s not just about the immediate financial hit—think about the long-term consequences. The loss of reputation, the disruption to operations, and the stress on your team. The last thing you want is to be caught unprepared when it matters most.
The problem is, the process of securing the right insurance is a time-consuming nightmare. The sheer volume of options available and the number of providers you need to contact is just the beginning. Add to that the complex jargon used in policies, the hours required to evaluate and compare your choices, and the negotiation process that follows. All of this, while ensuring you meet contractual obligations and comply with New York City regulations.
As a business owner already juggling day-to-day operations, who has the time to navigate through it all?
That’s where we come in. At Reliable Insurance, we offer a concierge service designed to lift the burden off your shoulders.
From your initial consultation, our dedicated team dives deep into understanding your business’ unique needs. We work meticulously to search for policies that not only cover the entire scope of your needs, but that ensure you’re getting the best value for your money.
Our mission is to make the process completely stress-free. We’ll patiently answer your questions and handle all the details—managing documentation, negotiating on your behalf, and ongoing policy management—so you can confidently focus on running your business, knowing you made the right decision. Our dedicated team becomes your trusted advisor, ensuring your business is protected with coverage tailored to fit perfectly.
It really is more than just about protecting what you have—it’s about having the confidence to grow your business. The right insurance strategy provides a foundation upon which you can work with peace of mind. It frees you from the constant worry or “what if” and allows you to focus on your craft. Imagine the possibilities when you know your business is covered, no matter what unforeseen circumstance comes your way.
More financial security.
More respect from your clients, project owners, and employees.
More status in the industry.
That’s the power of comprehensive coverage.
In today’s competitive market, the most successful businesses are the ones that think ahead. They don’t just react to risks—they proactively manage them. By partnering with Reliable Insurance, you’re joining a community of business leaders who prioritize security and growth. These are the businesses that not only survive challenges but thrive because they’ve planned for them.
You wouldn’t be here if you weren’t serious about growing your business, don’t let uncertainty hold you back and take control of your business’s future with the right insurance advisor by your side.
