Protect your Syracuse employees and business with comprehensive workers' compensation coverage. PCFG Insurance specializes in Central New York employers across construction, manufacturing, healthcare, retail, and more.
Based near Syracuse, we understand the unique needs of Onondaga County businesses—from harsh winter weather risks to the diverse local economy. Get competitive rates from a veteran-owned agency that knows Central NY.
Syracuse 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 Central New York businesses
Local expertise for Central New York employers
Located near Syracuse, we understand local business challenges including winter weather risks and seasonal employment
Quick quotes and same-day certificates of insurance for Syracuse contractors and businesses
Access to multiple NY-licensed carriers means better rates for Onondaga County employers
Workers' compensation coverage tailored to Central New York's diverse economy
From Destiny USA renovations to residential builds across Onondaga County—we cover Syracuse contractors, roofers, electricians, and HVAC specialists.
Coverage for Syracuse's robust healthcare sector, including Upstate University Hospital staff, private practices, and home healthcare agencies.
Syracuse has a strong manufacturing heritage. We insure food processing, machinery operations, and light manufacturing across Central NY.
From Armory Square restaurants to Carousel Center retailers—affordable coverage for Syracuse's service industry employers.
Syracuse's strategic location makes it a logistics hub. We cover local delivery, trucking, and warehouse operations.
Syracuse University, SU Tech, and downtown professional offices—we serve Central NY's knowledge economy employers.
See our complete Workers' Compensation Insurance page for detailed coverage information.
What Syracuse employers need to know
Syracuse 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 Central New York employers
For Syracuse 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, roofing). Your exact rate depends on your industry classification, payroll, and claims history. Syracuse-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 Syracuse businesses that hire seasonal staff for winter operations (snow removal, holiday retail) or summer work (construction, landscaping).
Yes. Workers' compensation covers injuries from slips on ice, snow removal accidents, and weather-related incidents during work. Given Syracuse's harsh winters (averaging 100+ inches of snow), it's crucial your policy properly classifies outdoor workers and snow removal operations to ensure adequate coverage.
If SU 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 Syracuse businesses. This is critical when you need proof of coverage for contracts, construction permits, or vendor requirements. We understand Central NY businesses need fast service—contact us by 2 PM for same-day issuance.
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Also serving businesses in Rochester, Buffalo, and Albany
Get a competitive workers' compensation quote from Central New York's trusted insurance partner. Fast quotes, expert service, and same-day certificates available.