Protect your Rochester employees and business with comprehensive workers' compensation coverage. PCFG Insurance specializes in Western New York employers across optics, imaging, manufacturing, healthcare, and more.
Serving the Flower City, we understand the unique needs of Monroe County businesses—from optics innovation to healthcare excellence. Get competitive rates from a veteran-owned agency that knows Western NY.
Rochester 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 Rochester, we understand local business challenges including lake-effect weather and diverse industries
Quick quotes and same-day certificates of insurance for Rochester contractors and businesses
Access to multiple NY-licensed carriers means better rates for Monroe County employers
Workers' compensation coverage tailored to Western New York's innovation economy
Rochester's imaging heritage lives on. We cover precision manufacturing, clean room operations, and tech startups building on Kodak's legacy.
Coverage for Rochester's world-class healthcare sector, including Strong Memorial, UR Medicine staff, private practices, and home health agencies.
Rochester's strong manufacturing base needs solid coverage. We insure food processing, precision machining, and advanced manufacturing operations.
From Eastman Business Park startups to High Tech Rochester members—affordable coverage for the Flower City's tech sector.
From Inner Loop redevelopment to suburban builds—we cover Rochester contractors, roofers, electricians, and HVAC specialists.
From Park Avenue boutiques to restaurants citywide—affordable coverage for Rochester's service industry employers.
See our complete Workers' Compensation Insurance page for detailed coverage information.
What Rochester employers need to know
Rochester 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 Rochester employers, workers' comp costs typically range from $1-$2 per $100 of payroll for low-risk businesses (offices, tech companies) to $5-$15 per $100 for high-risk industries (construction, manufacturing). Your exact rate depends on your industry classification, payroll, and claims history. Rochester-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 Rochester businesses that hire seasonal staff for winter operations (snow removal, holiday retail) or summer work (construction, festivals).
Yes. Workers' compensation covers injuries from slips on ice, snow removal accidents, and weather-related incidents during work. Given Rochester's lake-effect snow (averaging 100+ inches), it's crucial your policy properly classifies outdoor workers and snow removal operations to ensure adequate coverage.
If UR students work for your business as W-2 employees (not independent study or unpaid internships), they must be covered under your workers' compensation policy. This applies to part-time student workers, co-op students, and any other employees, regardless of their student status.
PCFG Insurance can often provide same-day certificates of insurance for Rochester 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.
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Also serving businesses in Syracuse, Buffalo, 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.