Other Casualty Lines (Workers' Compensation, General Liability, Umbrella, Crime)
Workers' compensation in New York
Workers' compensation is a statutory no-fault system: benefits are paid regardless of fault, and the exclusive remedy rule bars the employee from suing the employer. New York requires coverage for virtually every employer with employees, including part-time and family workers; sole proprietors, partners, and LLC members are excluded but may elect coverage. Benefits include unlimited medical care, cash disability at two-thirds of average weekly wage subject to a statutory maximum, scheduled loss of use awards, and death benefits. The policy has three parts: Part One workers' compensation, Part Two employers liability (typically 100/500/100), and Part Three other states. New York also mandates Disability Benefits Law coverage and Paid Family Leave.
General liability
The CGL is an occurrence form: Coverage A bodily injury and property damage, Coverage B personal and advertising injury, Coverage C medical payments. Key exclusions include expected or intended injury, your work, your product, employer's liability, pollution, and damage to property in the insured's care.
Umbrella and excess
An excess policy follows the terms of the underlying policy without broadening coverage; an umbrella drops down to fill gaps and broadens terms, often subject to a self-insured retention.
Crime
Employee dishonesty requires manifest intent to cause loss and obtain financial benefit. Burglary requires visible signs of forcible entry; robbery requires threat or violence; mysterious disappearance is excluded unless endorsed.
Traps
Confusing umbrella with excess; assuming the CGL covers employees injured on the job; treating theft as burglary.
Rule of thumb
No-fault for employees, fault-based for the public.