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A:
In general, every employer in New York is required to purchase Workers Compensation Insurance. This insurance protects you if you are injured while working. It pays for medical care for the injury and lost time benefits. This insurance is mandatory and your employer cannot charge you for the insurance coverage. However, there are situations where an employer does NOT have to have that insurance, but those are limited circumstances. They include NYPD, NYFD and Sanitation, if your employer is the US Government - a separate law - a longshoreman or if you are an independent contractor.
Think about it. You wouldn't want to be hit by a car that didn't have insurance - you certainly do not want to work for an employer who does not have workers compensation insurance.
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