- Workers Compensation - Required of all employers in New York State.
- NYSIF is not your only option. Qualifying restaurants may be eligible for Restaurant Safety Group insurance that significantly saves its members on net cost dollars. Yes, for discounted Workers Compensation Insurance you should contact us today at 607-843-8860 or insurance@drickardinsurance.com to see if you are eligible!
- Employment Practices Liability Coverage - protects you against employee allegations of harassment, descrimination, and more. (Customer allegations may also be added to this coverage.)
- NYS DBL - A short term disability policy required of all employers in New York State
- The policy we sell most may include at your discretion many benefits you usually only see in other optional benefit policies at a comparative savings.
- Optional Employee Benefits
- Retirement
- Employer Funded
- Employee Funded
- Both Employer and Employee Funded
- Life
- Disability
- Long Term (to age 65)
- Short Term (24 month benefit period
- Key Employee
- Business Overhead Protection
- Buy Out
Employment Related Insurance Policies
- Workers Compensation - Not all Workers Compensation plans are created equal by the virtue of the insurer standing behind the plan, payment options and the premium structure. You do not need to buy insurance from the NYSIF. (If you must and you choose to you may hire us. Contact us at 607-843-8860 or insurance@drickardinsurance.com to represent you to NYSIF.) For many businesses in the Food Service business we have found plans that may even pay dividends back on premium paid. If you have been operating a good loss free business for years, you may be eligible for low premiums. If you would like our help with Workers Compensation Insurance let us know at 607-843-8860 or insurance@drickardinsurance.com. Emailing a copy of your current declaration page is often helpful in preparing a quick proposal.
- New York State disability - aka DBL. Let us help you with diverse option filled policy forms that includes the basic DBL that New York State requires and may include, by your choice options that cover the business owner, volunteers, adding accidental death and dismemberment, hospital indemnity, higher limits of benefit payouts, elimination of waiting periods in some cases, and more. Plans Start at $125 annually. For more information contact us at 607-843-8860 or insurance@drickardinsurance.com.
- Key Employee Replacement - Overhead expense protection related to death or disability of a key employee. As you may have guessed by now you are invited to contact us about this valuable coverage at 607-843-8860 or insurance@drickardinsurance.com.
- Employment Practices Liability
- Employee Benefits
- Health
- Life
- Disability
- Long - Term (up to age 65)
- Short - Term (up to 24 months)
- Retirement
- Employer Funded
- Employee Funded
- Both Employer and Employee Funded
- Key Employee
- Business Overhead Protection
- Owner Buy Out
Employment Insurance Questions
- Do I have to buy my Workers Compensation Insurance from New York State Insurance Fund?
- Do I have to buy my New York State Disability from New York State Insurance Fund?
Question: Do I have to buy my Workers Compensation Insurance from New York State Insurance Fund?
Answer: No, in fact, we have many insured Workers Compensation Insurance solutions for hundreds of types of businesses that do not involve NYSIF at all. Contact us for more information at 607-843-8860 or insurance@drickardinsurance.com.
Question: Do I have to buy my New York State Disability from New York State Insurance Fund?
Answer: No and in fact we represent a company that offers a variety of NYS DBL solutions; including in expensive insurance for non-employee owners. Contact us for more information 607-843-8860 or insurance@drickardinsurance.com.