Last Updated: July 6, 2026
These Terms of Use (“Terms”) govern your access to and use of workerscovered.com (the “Site”), a resource operated by Workers Covered that examines who does and does not qualify for New York workers’ compensation coverage, with a focus on the harder edge cases — disputed employment status, workers who serve more than one employer, work performed across state lines, special-employee and borrowed-servant arrangements, and instances where coverage was expected but never actually in place. By loading, browsing, or otherwise using any part of the Site, you agree to be bound by these Terms in full. If you do not accept them, you should stop using the Site immediately.
Disclaimer of Professional Advice and Liability
Everything published on this Site is offered strictly for general educational purposes. Workers Covered is not a law firm, does not employ attorneys to review individual circumstances, and does not offer legal, medical, insurance, or financial advice of any kind. Reading an article on this Site does not make you a client of Workers Covered, and no attorney-client relationship, confidentiality obligation, or professional duty of care is formed between you and Workers Covered through your use of the Site, regardless of how detailed your question or how thorough our answer. Workers’ compensation coverage questions are intensely fact-specific, and a rule described in general terms on this Site may not apply, or may apply differently, to your particular employment relationship, injury, or jurisdiction. You should not act, or decline to act, based on anything you read here without first consulting a licensed attorney or other qualified professional who can evaluate your actual circumstances.
The Site and all of its content are provided on an “as is” and “as available” basis, without warranties of any kind, whether express, implied, or statutory, including without limitation any implied warranty of accuracy, completeness, merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that the Site will be uninterrupted, error-free, or free of harmful components, and we do not warrant that any information presented remains current after publication, given how frequently workers’ compensation statutes, regulations, and case law can change. To the maximum extent permitted by applicable law, Workers Covered, its owners, operators, contributors, and affiliates disclaim all liability for any direct, indirect, incidental, consequential, special, exemplary, or punitive damages of any kind arising out of or in any way connected to your use of, or inability to use, the Site, whether the claim is based on contract, tort, negligence, strict liability, or any other legal theory, and even if we have been advised of the possibility of such damages. This limitation of liability is a fundamental basis of the bargain between you and Workers Covered and applies to the fullest extent the law allows.
Intellectual Property
All articles, explanatory guides, graphics, layout, and other original material appearing on this Site are the property of Workers Covered or its licensors and are protected by applicable copyright and other intellectual property laws. You are welcome to read the Site and to view its content for your own personal, non-commercial use, and you may share a link to a page on this Site with others. You may not republish, reproduce, reprint, mirror, or redistribute our articles or substantial portions of them on another website, in a newsletter, in print, or through any other medium without our prior written permission, and you may not sell, license, or otherwise commercially exploit our content.
We also do not permit automated scraping, bulk downloading, indexing by artificial-intelligence training crawlers, or any other automated harvesting of the Site’s content without our express prior written consent. Any request to reproduce, license, or otherwise use our material beyond ordinary personal reading should be directed to us using the contact information below.
Third-Party Links and Referrals
The Site contains links to government agencies, courts, insurance-industry resources, and, at times, to attorneys or professional referral services that may be able to assist you directly. These links are provided as a convenience, and their presence does not constitute an endorsement, guarantee, or recommendation of the linked party by Workers Covered. We do not control, and are not responsible for, the content, accuracy, availability, or practices of any third-party site or professional, and any dealings you have with a third party you were connected to through this Site are solely between you and that third party.
Prohibited Uses
You agree not to use the Site for any unlawful purpose, to attempt to gain unauthorized access to any part of the Site or its underlying systems, to interfere with or disrupt the Site’s operation or servers, to transmit viruses or other harmful code through the Site, to impersonate any person or entity in connection with the Site, or to use the Site’s contact channels to submit fraudulent, abusive, or harassing communications. We reserve the right to restrict, suspend, or terminate access to the Site, without notice, for any visitor we believe has violated these Terms.
Indemnification
You agree to indemnify, defend, and hold harmless Workers Covered and its owners, operators, contributors, and affiliates from and against any claims, liabilities, damages, losses, and expenses, including reasonable attorneys’ fees, arising out of or in any way connected with your use of the Site, your violation of these Terms, or your violation of any rights of another person or entity.
Severability
If any provision of these Terms is found by a court or other tribunal of competent jurisdiction to be invalid, illegal, or unenforceable, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions of these Terms shall continue in full force and effect.
Changes to These Terms
We may update these Terms from time to time to reflect changes in how the Site operates or to address new legal considerations. When we do, we will revise the “Last Updated” date above. Your continued use of the Site after any such update constitutes your acceptance of the revised Terms, so we encourage you to review this page periodically.
Contact
Workers Covered
Email: [email protected]
You can also reach us through our contact page.