Generally, all for and non for profit businesses and organizations who have workers and employees are required to have workers’ compensation insurance in NYS.  This includes employers of domestic workers and home health care aids who are employed 40 hours per week in a residence. More detailed information can be found at the NYS Workers’ Compensation Board who administer the WC law in NYS.
Business owners (sole proprietors, or individuals in partnerships, LLCs, and one- or two-person corporations where the owners own all stock and hold all corporate offices) who do not have any employees are are not required to have workers’ compensation insurance.  Sole proprietors, partners members of an LLC are automatically excluded from any insurance policy.  Executives of a two person or less corporation can elect to exclude themselves from coverage.  In all cases these individuals can elect to be included on their workers’ compensation policy.