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I wanted to make all employers that have workers in New York State aware that they need a separate policy for Disability. Unlike New Jersey where Workers Compensation and Disability in incorporated in the same policy Disability in New York is written on separate paper. This issue has caused many employers to incur huge penalties and fines. The policy is quite inexpensive and is based on the number of male and female employees one has working in New York. Minimum premium is around $45.00 annually. New York is very harsh on employers that are unaware of this policy and $1000 for every 10 days of non compliance is charged. I have seen fines and penalties as large as $99,000. A call to your insurance agent can get you in compliance in a few minutes. Technology Insurance Associates offers this policy , give us a call or fill out the inquiry form on our website. We are glad to help.