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Worker's Compensation Insurance Policies

Complete Payroll is not an insurance broker. But we work with a lot of them. And if you need to obtain a Worker's Compensation Insurance policy to run payroll and stay compliant, we can help you shop for the best policy for your business.

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Get the Best Worker's Comp Policy for Your Business.

It is always tense and stressful when a worker is injured on the job. As an employer, you care about your employees. Of course, this means that your first concern is that the worker gets the medical attention needed to make a full recovery. But after you know that’s taken care of, you’re left wondering how the injury will affect your business. What is going to be the fallout of the injury for the worker, the worker’s team, their department, and the company as a whole?

Product Video - Workers Comp

 

You must purchase worker's compensation insurance.

There are very few instances in New York state that do not require this coverage. Premiums for workers’ compensation must be paid for in entirely by the employer, with no portion being covered by the employees themselves. You are not permitted to have a lapse in coverage, even if you are switching insurance companies. 

A worker's comp policy provides very specific, useful protections.

Here’s a list of the things these policies cover:

    1. Any medical services (such as doctor’s appointments, hospital stays, emergency room visits, follow-up care, etc.) used to treat the employer’s injury or illness
    2. Temporary disability payments that replace the employee’s lost wages
    3. Permanent disability payments should the illness or injury have permanent effects
    4. Death benefits for the employee’s survivors should the injury be fatal
    5. Employer’s legal representation
    6. Protection against most lawsuits for injuries and illnesses that occur at work

There are several ways to purchase a worker's comp policy

Did you know that New York has more than 200 state-approved private insurers who can sell you a workers’ compensation policy that works for you? Our state also has a public insurance carrier called the New York State Insurance Fund (NYSIF), and you can contact them to buy a policy directly. If you are a large business, you may be eligible to be self-insured. You can contact the New York Workers’ Compensation Board to see if your company is eligible. 

A final option is to join other companies to form a self-insured group, which also requires approval from the Workers’ Compensation Board. Whichever option you choose, you should shop around and find the best policy options for your company and its budget. As with any insurance plan, you should get quotes and compare premiums, deductibles, and other aspects of the coverage before you make a final decision. 

Worker's Compensation Insurance policies are required for employers.

Modernize Your Worker's Compensation Insurance Policy - Complete Payroll

Modernize Your Worker's Comp Policies

There is no need to use an outdated and inflexible method for paying for your workers’ compensation insurance. Check with your insurer or payroll specialists today to see if pay-as-you-go is an option for you. You will save time, effort, and endless headaches if you adopt this flexible and effective method for paying for your workers’ compensation policy

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Pay-As-You-Go Worker's Comp

Pay-as-you-go workers’ compensation eliminates the issue of estimating based on guesswork and hope. Instead, the premium comes from specific data that your payroll specialists can provide to the insurer.  Even better, you don’t have to pay up front. Complete Payroll is an approved Pay-As-You-Go provider with the New York State Insurance Fund

Complete Payroll is an approved Pay-As-You-Go provider with the New York State Insurance Fund.

Crossroads House has been using Complete Payroll for several years now. Their service is fast, friendly and accurate. Whenever we have payroll documentation needs arise for our employees, the staff at Complete Payroll always gets the job done quickly and efficiently.

Jeff AllenExecutive Director, Crossroads House

We have used several payroll companies. Complete Payroll has by far been the easiest and friendliest. They are quick to respond to any questions I am having. They also have a great pricing structure.

Shane GustafsonOwner, A Gust of Sun Winery

The attention to detail in the customer experience and the consistent friendliness of the Complete Payroll team really make the difference. Liz, Mona, LeeAnne, Brandi, and Lacy have been great to work with.

Shivaugn AhernExecutive Director, Central American Healthcare Initiative Inc.

Complete Payroll is, by far, the most proficient and customer service oriented provider I have been privileged to work with. Lindsay Ezard goes above and beyond to assist me with any question I may have. Thank You Lindsay!

Bonnie DeNeefNuttall Golf Cars, Inc

Our small business has been using CPP 2005 and they have never disappointed us. I believe I have had exactly 2 payroll specialists since 2005. I feel like they know me & our company. I am not shy to ask questions & if they don't know the answer I am always pointed in the right direction. I am not a payroll specialist but I know CPP is and I have every confidence in my payroll specialist (Lindsay Ezard) and CPP. 

Geri VitulloBusiness Manager, English Road Pediatrics & Adolescent Medicine, LLC

I've been very pleased with the service and responsiveness of my CSR and CP's continued dedication to providing us with all the tools we need to have a successful payroll and HR experience. You're always available when I have a question and always make sure that any problems that arise are worked through to my satisfaction.

Paul CronkExecutive Contact, Fillmore Wesleyan Church

Instead of feeling like we are one of ten thousand people who want good service, Complete Payroll makes us feel like we are the only one of ten thousand who really matter! We count on Lindsay getting it right, and she always does, even when we go outside the box! Complete Payroll makes us feel like family.

Diane RomanoPrimary Contact, ROMOLD Inc.

Very much appreciate the quick service. If I need a special report it arrives via email within one business day, if not that day.

Cathy SchuthPayroll Contact 2, Hilton Health Care PC

We have worked with Complete Payroll for more than 10 years and have received excellent and attentive service every step of the way. We rely on their consistency and very low turnover. We get to know our rep and they get to know us and our business. If we have payroll or general HR questions, Complete Payroll always has the answers for us.

Jill BonnellDirector of Operations & Sales Process, Swagelok Western New York

I have worked with many payroll companies throughout my career and Complete Payroll surpasses them all in personalized service. My CSR is Andrea and I have always received assistance in a timely manner. Keep up the great job!

Linda MooreTiffany Transportation Services LTD.

We have been very pleased with CPP. They are very knowledgeable, friendly, and helpful.

Karen BrayOffice Manager, Odosagih Bible Conference

Complete Payroll's employees are so responsive, superbly professional, and helpful with any issues. Andrea Dimmick always responds quickly to emails and any questions I have are resolved as soon as possible, Tracy Schmidt did everything to get us started running payroll and to help us to understand everything, and Sydney Underwood's training was just super helpful!

Elmira DewesBookkeeper, Elite Roasters

My experience with Complete Payroll has been exceptional. I was a novice to payroll so my learning curve was big. Andrea is wonderful helping me navigate payroll and not just fixing my errors, but explaining what I did or did not do!

Cathie Rene'Human Resource Coordinator, Rochester Hearing and Speech

We chose Complete Payroll because we get personalized attention for a great price. I always get my questions answered by a competent, patient person who makes me feel like a person, not just an account! Lacy my girl is great!

Teresa BullockPayroll Contact, Sorge's Restaurant

I have been working with Lacy Smart and her team for the last few years. I have been impressed by her responsiveness, accuracy, and high level of providing client satisfaction. She and her team are a wonderful testament to the organization!

Bahar UttamChief Of Staff, Soderberg Insurance Services Inc

Complete Payroll's service, loyalty, and family atmosphere is second to none! We have NEVER had any mistakes made and our payroll is always on time. When I forget to call in payroll, Lindsey always has my back. I recommend them to anyone who asks and cannot find one fault with the service we have received. They get an A++ rating in our book!

Sue HornSecretary and Treasurer, Brian Horn's Auto Repair, Inc.

What I love most about Complete Payroll is the quick resolution and response. There are not many issues, but like anything in life, issues happen and the way they are dealt with is the true testament of a person or company. And Complete Payroll is the best at acknowledging the issue and resolving the problem quickly. My rep is fantastic to work with and I refer Complete Payroll whenever I can!

Nancy WoolverFinancial Adviser, Financial Service Company

We have been with Complete Payroll for quite a while now and plan on staying! Thanks!

Howard ClarkeOwner, H. Clarke Services

We moved to Complete Payroll about 3 years ago. It was seamless and working with Lacy Smart on Mondays is a breeze!

Debbie KlymkowBusiness Manager, Boulevard Van City

We have been customers for many years. Evolution Software is easy to use but more importantly, Cindy is an email away and her knowledgeable, efficient, and quick to replies to our questions are appreciated. We're very happy with Complete Payroll!

Teresa JacksonPresident, Dudley Poultry

We have been using Complete Payroll for over five years and have found them to be responsive, professional, friendly and cost effective. Customer service is best judged when something goes wrong. When it does (infrequently, if ever,) Complete Payroll is always there, immediately, to help fix the issue. Complete Payroll is a payroll partner, not a payroll service.

Kelly StephensonSenior Director, Finance, The Service Collaborative of WNY, Inc.

We have been customers for almost 10 years and are still receiving the same or better service. The ability to reach our dedicated customer service rep in a timely manner is huge when there are deadlines in play. In addition, unique reports, as well as integration feeds with some of our other vendors, has been handled without hesitation. We truly feel a partnership with Complete Payroll Processing.

Eileen ReevesHuman Resources Supervisor - Payroll, Benefits and Recruitment, Catholic Charities

The team at CPP is always responsive, always helpful, and always professional. They have gone above and beyond over recent years to assist Keuka College in creating efficiencies, maintaining compliance, and improving processes. CPP is a trusted partner, a valued resource, and a respected adviser.

Carol GroverKeuka College

I decided to switch to Complete Payroll for three main reasons: their prices fit my budget, I never get bounced around between Customer Service reps, and it's very easy to enter my payroll. I simply take a photo of my payroll sheet and email it to my rep. There’s never a problem! With them, it’s business done, and business done right.

Dick EakinsOwner, Norco Farms

Great customer service combined with a reduction in payroll processing fees makes the decision to stay with Complete Payroll an easy one. Kendall always gets back to us quickly, and she is always very helpful and friendly. Also, the training that we received from LeeAnn was thorough and beneficial.

Joanna BatesInnkeeper, Inn at Houghton Creek

Complete Payroll Processing provided an easy transition from internal payroll processing traditionally performed by the Bookkeeper. With payroll service as a core business competency, CPP has the expertise to help mitigate errors and ease the burden of annual updates. Comprehensive reporting gives all the details needed and an organization can operate with an added piece of mind knowing that the payroll service is taken care of.

Don CunninghamSupervisor, Town of Bergen NY

Ashley from CPP has always been helpful. It seems that whenever we have a challenge, Ashley is there to help us through and does it well. Her customer service skills are excellent!

Bobby LuuBookkeeper, Kenrick Maintenance Corporation

We have been well served by Complete Payroll. When we have needed support, it was given both in payroll and other employee matters, like handbooks.

John WorthTown Supervisor, Town Of Pembroke

Complete Payroll has been the best choice that I ever made for our payroll and HR services. I love their great customer service! Anytime I have called customer service there is always a happy and knowledgeable person on the line to help us out! Anything that I have asked of them, they have done in a quick, and efficient manner! I recommend them to everybody!

Lisa CarpenterOlean Wholesale Grocery Coop., Inc.

Complete Payroll is a great payroll company & we love Lacey! She always has the answers to my questions without hesitation. And there is very little (if any) any wait time to get a call back.

Christina WagarOffice Manager, Dr. Christopher Mozrall

We have tried other companies from time to time, but always return to CPP. The main reason is that we have an assigned payroll specialist who knows our needs inside and out, is knowledgeable, easy to reach and very responsive. My questions and concerns are addressed in a VERY timely manner and I never feel that I have to handle sticky issues alone.

Arden NeubauerBusiness Manager, Hunt Hollow Ski Club

I have had Complete Payroll in charge of my payroll services for many years now. I can not fully express my satisfaction with their services, personalize service directed to my specific needs and business. They are always there to make suggestions on how to make my experience better (I don't see how). I highly recommend Complete Payroll to anyone that has a business, large or small. You will not be disappointed!

Paul MartinOwner, Elite Armed Response Service, LLC

Complete Payroll is always there if we have a problem or need something special! Response time is AWESOME!

Tina CanaliFinance Manager, Chemung County SPCA

We couldn't be happier with Complete Payroll's services. Prompt and professional, every concern or question is answered and/or addressed immediately. Lacy is our girl and is an absolute pleasure to deal with. It is a load off our minds to know this part of our business is "worry free". We have every intention to continue our working relationship with them for years to come. 

Susan MunschOwner, Evergreen Trails Campground

We were referred to Complete Payroll years ago by a board member and haven’t looked back since. When I first started working with them, I knew nothing about payroll. Lacey was so wonderful and patient with me in the beginning, and my new rep, JoAnn continues to be great to work with. Working with Complete Payroll has just been a wonderful all-around experience for me.

Cathy PaceFinger Lakes Wrestling Club, Inc

I have had the great pleasure of working with Payroll Country for almost two years now. My CSR is very helpful, courteous, and is always there whenever I need help. I look forward to working with Complete Payroll for many years to come!

Gwen JonesOffice Manager, Mack's Body Shop, Inc.

We were previously with a larger payroll company, and their customer service paled in comparison to Complete Payroll's. The first suggestion I made after I joined Shear Ego was that if they were not yet using CPP, they should be. We continue to be impressed and happy with the quality & friendliness of service, and the excellent newsletters and up-to-date information on all things payroll and HR. 

Colleen KollBookkeeper, Shear Ego Salon & Spa

Frequently Asked Questions

To help you better understand how Worker's Compensation Insurance works.

What is Worker's Compensation Insurance?

Workers' compensation insurance, also called workman's comp or workers' comp, covers an employee's medical bills and time away from work in the event they are injured on the job. Workers comp' laws are regulated at the state level, so if you have any questions about the laws pertaining to your business, your state's department of workers' comp is the best place to start. The federal government provides an interactive map to find your state's website.  

Is my business required to have workers' comp insurance?

Whether your business is required to carry workers' comp insurance depends on several factors. Each state sets its own policies. In general, states assess the type of business and the risk involved to workers, how many employees you have and whether they are full time or part time. Check with your state's workers' comp board to determine if you need to carry this insurance.

What does workers' comp insurance cover?

Most policies cover an employee's medical bills and hospital stay for accidents or injuries incurred while working or while engaged in a work-related activity. They also generally pay two-thirds of an employee's salary while the employee is unable to work due to their disability. Policies may also cover therapy or rehabilitation services. Some policies cover injuries sustained over time, such as repetitive strain injuries.

Does workers' comp cover any injury? What if it's the employee's fault?

Even if your employee was found negligent, workers' comp insurance will still pay benefits. The only exceptions are when an employee is found to be under the influence of drugs or alcohol during the event. In such cases, workers' comp generally does not cover the incident.

Other circumstances may nullify benefits. For example, if an employee intentionally inflicts injury on himself or another person, as in the case of a fight between employees, the injuries may not be covered. Employees who clearly violate stated and posted company policies may not be covered either. Each case is different, and each insurance plan is different, so do check with your carrier and state board if you have specific questions.

 

Contact Us

Virtually all employers in NYS - and most other states - are required to purchase worker's comp policies.

  • Complete Payroll is an approved Pay-As-You-Go provider with the New York State Insurance Fund.

  • We work closely with many carriers and can help you shop around to ensure you get the best policy for your business.

  • Complete Payroll is NOT an insurance agency or carrier, although we work closely with both.

Complete the form to learn more about how Complete Payroll can help you find the right Worker's Compensation Insurance policy for your business.

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