Last Updated: July 6, 2026
Workers Covered was built to help people make sense of a genuinely confusing corner of New York law: deciding whether a particular worker is actually covered by workers’ compensation insurance in the first place. Coverage questions involving worker classification, multiple employers, out-of-state assignments, special or borrowed-employee arrangements, and situations where an employer simply never carried the required policy do not have simple, one-size-fits-all answers, and this Site was written to explain the underlying rules, not to resolve any individual person’s situation. This Disclaimer explains the limits of what you should expect from the material published here.
No Professional Legal Advice
Workers Covered is not a law firm and does not provide legal representation, legal opinions, or case-specific legal advice. Nothing published on this Site should be understood as advice tailored to your particular employment situation, injury, or claim. No attorney-client relationship is created by reading this Site, submitting a question through our contact page, or exchanging correspondence with us, and no communication with Workers Covered should be treated as privileged or confidential in the way a conversation with your own retained attorney would be. If you are dealing with an actual dispute over coverage, classification, or benefits, the only way to get advice that accounts for your specific facts is to consult a licensed attorney admitted to practice in New York, or another appropriately qualified professional, directly.
Accuracy and “As-Is” Presentation
We work to explain New York workers’ compensation coverage rules accurately and in plain language, but we make no warranty, express or implied, regarding the completeness, reliability, or current accuracy of any article on this Site. Workers’ compensation law is not static: the New York Workers’ Compensation Board updates guidance, courts issue new decisions interpreting who qualifies as an employee versus an independent contractor, and the treatment of multi-employer and out-of-state work can shift over time. An explanation that was accurate on the date it was published may become outdated, and we cannot guarantee that every page reflects the most recent developments at the moment you read it. Coverage determinations are also inherently fact-specific — small differences in how a work relationship is structured, where duties are actually performed, or how a special-employment arrangement was documented can change the outcome entirely. General explanations on this Site are not a substitute for an assessment of your particular facts by a qualified professional.
Third-Party Matching and Referral Disclaimer
From time to time, this Site may connect readers who request assistance with independent attorneys, referral networks, or other professionals who are not employed by or affiliated with Workers Covered beyond that referral relationship. Workers Covered does not supervise, vet on your behalf, guarantee the outcome of, or endorse the services of any attorney or firm you may be connected with, and being referred to a professional through this Site is not a representation that the professional is right for your situation. Any engagement, retainer, fee arrangement, or professional relationship that results from such an introduction is formed strictly between you and that third party, and Workers Covered is not a party to it and bears no responsibility for how that relationship unfolds.
Limitation of Liability
To the fullest extent permitted by law, Workers Covered and its owners, operators, and contributors disclaim all liability for any loss, damage, or adverse outcome — financial, legal, or otherwise — that arises from your reliance on information found on this Site or from your interaction with any third party to whom you were referred through it. Your use of this Site, and any decision you make based on its content, is entirely at your own risk, and you remain responsible for seeking individualized advice before taking or forgoing any action affecting your legal rights.
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