Protect your Buffalo employees and business with comprehensive workers' compensation coverage. PCFG Insurance specializes in Western New York employers across manufacturing, healthcare, hospitality, construction, and more.
Serving the City of Good Neighbors, we understand the unique needs of Erie County businesses—from lakefront weather challenges to Buffalo's resurgent economy. Get competitive rates from a veteran-owned agency that knows Western NY.
Buffalo 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 Western New York businesses
Local expertise for Western New York employers
Serving Buffalo, we understand local business challenges including lake-effect weather and diverse industries
Quick quotes and same-day certificates of insurance for Buffalo contractors and businesses
Access to multiple NY-licensed carriers means better rates for Erie County employers
Workers' compensation coverage tailored to Western New York's revitalized economy
Coverage for Buffalo's thriving healthcare sector, including Buffalo General, Roswell Park staff, ECMC, private practices, and home health agencies.
Buffalo's industrial heritage continues. We insure auto parts, food processing, steel fabrication, and advanced manufacturing across Erie County.
From Elmwood Village restaurants to waterfront hotels—affordable coverage for Buffalo's booming hospitality and tourism sector.
From downtown revitalization to suburban builds—we cover Buffalo contractors, roofers, electricians, and HVAC specialists.
Buffalo's proximity to Canada and major highways makes it a logistics hub. We cover trucking, warehouse, and distribution operations.
From Buffalo Niagara Medical Campus to downtown offices—we serve Western NY's growing professional and tech sectors.
See our complete Workers' Compensation Insurance page for detailed coverage information.
What Buffalo employers need to know
Buffalo Business Tip: The NY Workers' Compensation Board actively monitors compliance. Don't risk your business—get covered today. We can provide same-day certificates for urgent needs.
Common questions from Western New York employers
For Buffalo employers, workers' comp costs typically range from $1-$2 per $100 of payroll for low-risk businesses (offices, retail) to $5-$15 per $100 for high-risk industries (construction, manufacturing). Your exact rate depends on your industry classification, payroll, and claims history. Buffalo-specific factors like winter weather-related claims can also impact rates for outdoor workers.
Yes. In New York, all employees must be covered from their first day of work, including seasonal, part-time, and temporary workers. This is especially important for Buffalo businesses that hire seasonal staff for winter operations (snow removal, holiday events) or summer work (construction, waterfront activities).
Yes. Workers' compensation covers injuries from slips on ice, snow removal accidents, and weather-related incidents during work. Given Buffalo's legendary lake-effect snow (often exceeding 90+ inches), it's crucial your policy properly classifies outdoor workers and snow removal operations to ensure adequate coverage.
Your NY workers' comp policy covers employees working in New York. For employees who regularly cross into Canada for work, you may need additional coverage. Contact us to discuss cross-border insurance options for Buffalo businesses operating near the Peace Bridge.
PCFG Insurance can often provide same-day certificates of insurance for Buffalo businesses. This is critical when you need proof of coverage for contracts, construction permits, or vendor requirements. We understand Western NY businesses need fast service—contact us by 2 PM for same-day issuance.
Ready to protect your Buffalo business?
Get Your Free Buffalo QuoteWorkers' compensation insurance throughout Erie County and beyond
Amherst
Cheektowaga
Tonawanda
West Seneca
Clarence
Hamburg
Orchard Park
Lancaster
Also serving businesses in Syracuse, Rochester, and Albany
Get a competitive workers' compensation quote from Western New York's trusted insurance partner. Fast quotes, expert service, and same-day certificates available.