Protect your Albany employees and business with comprehensive workers' compensation coverage. PCFG Insurance specializes in Capital Region employers across government contractors, technology, healthcare, professional services, and more.
Serving New York's capital, we understand the unique needs of Albany County businesses—from state contract requirements to the diverse Capital Region economy. Get competitive rates from a veteran-owned agency that knows Upstate NY.
Albany Fast Fact: New York requires workers' compensation insurance for businesses with 1 or more employees. Penalties for non-compliance include fines up to $2,000 per 10-day period plus stop-work orders.
Fast quotes for Capital Region businesses
Local expertise for Capital Region employers
Serving Albany, we understand state contracting requirements and diverse industries in New York's capital
Quick quotes and same-day certificates of insurance for Albany contractors and businesses
Access to multiple NY-licensed carriers means better rates for Albany County employers
Workers' compensation coverage tailored to the Capital Region's government and professional economy
Coverage for businesses working with New York State agencies, municipalities, and the Albany County government. We understand state contract requirements.
Coverage for Albany's healthcare sector, including Albany Med, St. Peter's, private practices, and home healthcare agencies throughout the Capital Region.
From Tech Valley startups to established software firms—affordable coverage for Albany's growing technology sector and research institutions.
Albany's professional sector thrives with law firms, accounting practices, consulting agencies, and more. We serve Capital Region's knowledge economy.
From downtown Albany projects to suburban builds—we cover Capital Region contractors, roofers, electricians, and HVAC specialists.
From Lark Street shops to downtown hotels—affordable coverage for Albany's retail and hospitality employers.
See our complete Workers' Compensation Insurance page for detailed coverage information.
What Albany employers need to know
Albany Business Tip: The NY Workers' Compensation Board, based in Albany, actively monitors compliance statewide. Don't risk your business—get covered today. We can provide same-day certificates for urgent state contract needs.
Common questions from Capital Region employers
For Albany employers, workers' comp costs typically range from $1-$2 per $100 of payroll for low-risk businesses (offices, professional services) to $5-$15 per $100 for high-risk industries (construction, manufacturing). Your exact rate depends on your industry classification, payroll, and claims history.
New York State contracts typically require proof of workers' compensation coverage before contract execution. Many state agencies also require specific certificate language. We understand these requirements and can provide compliant certificates quickly for Albany-area government contractors.
If interns or co-op students (including from UAlbany, RPI, or other local colleges) receive any form of compensation as W-2 employees, they must be covered. Unpaid interns may not require coverage, but consult with us to ensure compliance with NY requirements.
Yes. Your NY workers' compensation policy covers remote employees working from home in New York State for injuries that occur during work activities. This is important for Albany's growing tech and professional sectors with hybrid/remote workers.
PCFG Insurance can often provide same-day certificates of insurance for Albany businesses. This is critical when you need proof of coverage for state contracts, construction permits, or vendor requirements. Contact us by 2 PM for same-day issuance with proper state contract language if needed.
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Also serving businesses in Syracuse, Rochester, and Buffalo
Get a competitive workers' compensation quote from the Capital Region's trusted insurance partner. Fast quotes, expert service, and same-day certificates available for state contracts.