New York has some pretty strict laws about who has to have Worker's Compensation insurance. We had a client who was almost fined $12,000 because he didn't have WC insurance, and worked
one day in New York. In Tennessee, you don't legally have to have WC insurance if you have five employees or less. Over that, and you have to cover it. NY says you have to cover all of your employees. From what I'm told, that's because there is some law somehwere in NY that says if someone gets hurt on the job in NY state, and the employer doesn't have WC insurance, than the state has to cover it.
Having said that, on their website, one of the groups that doesn't have to be covered
by law is:
Quote:
10.New York City police officers, firefighters, and sanitation workers who are covered under provisions of the New York State General Municipal Law. Uniformed police officers and firefighters in other municipalities may also be excluded;
Looking up "
New York Municipal Law," I found this:
Quote:
§ 206-b. Exemption of benefits payable under blanket accident
insurance covering volunteer firemen. Not only shall the benefits
payable or allowable under any blanket accident insurance policy or
contract purchased (1) by a fire department pursuant to section four
thousand two hundred thirty-seven of the insurance law, or (2) by a
municipal corporation or fire district pursuant to any general, special
or local law, to insure active volunteer firemen against injury or death
resulting from bodily injuries sustained by such firemen in the
performance of their duties be exempt from execution as provided in
subsection (c) of section three thousand two hundred twelve of the
insurance law, but also any benefits payable or allowable under any such
policy or contract in the event of the death of an insured volunteer
fireman shall be exempt from execution for the purpose of satisfying any
debt or liability of the beneficiary designated in the policy or
contract, or in the event that the insured volunteer fireman is a minor
shall be exempt from execution for the purpose of satisfying any debt or
liability of the person to whom such benefits are payable pursuant to
subsection (b) of section four thousand two hundred thirty-seven of the
insurance law.
But I don't speak lawyer, so I'm not sure if that helps or makes everything more confusing.