NYSIF Insurance Products

NYSIF is a competitive insurance carrier, available to all New York businesses, and sells workers' compensation, disability benefits, volunteer firefighters' and volunteer ambulance workers' insurance. By law, NYSIF is required to set workers' compensation premiums at the lowest possible cost sufficient to maintain solvency.

Workers' compensation insurance

A NYSIF workers' compensation insurance policy protects employers from liability for on-the-job injuries and occupational illnesses.

Request a quote to apply for a NYSIF workers’ compensation insurance policy

Disability benefits insurance

NYSIF provides statutory disability benefits insurance coverage for employers in New York State pursuant to the NYS Disability Benefits Insurance Law. Learn more about disability benefits insurance.

Request a quote to apply for a NYSIF disability benefits insurance policy

Volunteer firefighters' benefits insurance

NYSIF has offered volunteer firefighters’ benefits insurance since the law was incepted on January 1, 1957. NYSIF charges a flat premium for this coverage based on the population of the territory served by the volunteer fire companies covered under the policy.

Employers' liability insurance may be extended to volunteer fire departments and their fire chiefs, commissioners and trustees at an additional 10% of the policy premium. Paid employees of a volunteer fire company, such as bookkeepers, drivers, maintenance personnel and firehouse porters, must be covered under a standard workers’ compensation policy.

Request a quote to apply for a NYSIF volunteer firefighters benefits insurance policy

Volunteer ambulance workers’ benefits insurance

NYSIF has offered volunteer ambulance workers' benefits since the law was incepted on January 1, 1989. NYSIF charges a flat premium for this coverage based on the number of primary ambulances, emergency service/first response vehicles and back-up ambulances covered under the policy.

Employers' liability insurance may be extended to volunteer ambulance companies and their officers and board of trustees at an additional 10% of the policy premium. Paid employees of a volunteer ambulance company, such as clerical staff, drivers and maintenance personnel, must be covered under a standard workers’ compensation policy.

Request a quote to apply for a NYSIF volunteer ambulance workers’ benefits insurance policy