New York State requires every (there are a few exceptions) employer in New York to obtain insurance (or some form of payment plan) for injuries to workers hurt or killed on the job.
BUT where does this come from – that is, where IN the statute or law does it really say that?
Good Question and the answer is Article 2 Section 10 of the New York State Workers Compensation Law. The most important part of that law states:
Every employer…shall…secure compensation to his employees and
pay or provide compesnation for their disability or death from injury
arising out of and in the course of employment, without regard to fault…
THIS IS THE SPOT that tells it all — you get compensation from your employers insurance if your injury arose out of and in the course of employment. WARNING – sounds simple but this can be very complex as to whether your accident occurred in the course of your employment or even arose out of your employment.