One of the main things you know about rules is that there are exceptions to all of them and this includes New York workers compensation benefits. But even if you fit one of the following categories, it never hurts to get a free lawyer consultation from a worker’s comp attorney.
A general rule of thumb is that you need to obtain workers compensation insurance if you hire an employee. If you are a sole proprietorship or a partnership with no other individuals working for you, you do not require workers compensation insurance–although it might not be a bad idea to get it anyway.
Volunteers for Non-Profit Organizations
Often when you are volunteering for churches, charities, and nonprofit organizations, these organizations are not required to provide workers compensation coverage as long as these efforts are not compensated for in any way. For example, volunteer “work” in exchange for stipends, room...