n New York, all employers with one or more employees are required to carry workers’ compensation insurance, which can be obtained through a private insurer, the New York State Insurance Fund (NYSIF), or by qualifying for self-insurance if the employer meets specific criteria. Sole proprietors and partners are generally excluded from mandatory coverage but have the option to opt-in. Corporate officers and LLC members with a substantial ownership interest are also excluded unless they elect to be covered. New York’s system ensures that injured workers receive necessary medical care, wage replacement, and rehabilitation services. The New York Workers’ Compensation Board oversees compliance, enforcing regulations and imposing penalties on employers who fail to provide the required coverage, thereby protecting workers’ rights and benefits.