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Labor Law Coverage falls under a contractor's General Liability Coverage. This coverage helps protect and defend employers if an accident occurs. Lower risk industries will usually have labor law coverage included in its general liability policy but higher risk industries like roofers, will not.

Under Section 57 of the Workers' Compensation Law, businesses listed as the general contractors on building permits are required to submit proof of compliance with the mandatory coverage provisions of the Workers' Compensation Law to the building department before a building permit is issued.

Workers' Compensation coverage is not required if the business is a one or two person owned corporation, with those individuals owning all of the stock and holding all offices of the corporation (each individual must hold an office and own at least one share of stock).

New York Employer's Liability is a business insurance coverage included with a Workers' Compensation policy. This coverage is designed to shield the business against legal liability arising from employee death or injury. This coverage includes employees, family members, and any third party who might seek legal action.

Workers' compensation is insurance, paid for by your employer, that provides cash benefits and medical care if you become disabled because of an injury or illness related to performing your job. All state employees are covered by the Workers' Compensation Law.

The 1B Coverage generally provides liability coverage for bodily injury sustained by an employee, excluding coverage of the employer for contractual indemnity but covering it for common law indemnity or contribution.