{"id":14426,"date":"2023-08-18T12:14:45","date_gmt":"2023-08-18T16:14:45","guid":{"rendered":"https:\/\/gtm.com\/business\/?page_id=14426"},"modified":"2023-09-11T22:05:20","modified_gmt":"2023-09-12T02:05:20","slug":"workers-compensation-businesses","status":"publish","type":"page","link":"https:\/\/gtm.com\/business\/workers-compensation-businesses\/","title":{"rendered":"Workers&#8217; Compensation Insurance for Businesses"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; fullwidth=&#8221;on&#8221; custom_padding_last_edited=&#8221;on|desktop&#8221; _builder_version=&#8221;4.19.0&#8243; custom_padding_tablet=&#8221;50px|0|23px|0||&#8221; custom_padding_phone=&#8221;||10px||false|false&#8221; transparent_background=&#8221;off&#8221; padding_mobile=&#8221;off&#8221; make_fullwidth=&#8221;off&#8221; use_custom_width=&#8221;off&#8221; width_unit=&#8221;on&#8221; global_module=&#8221;3056&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_fullwidth_image src=&#8221;https:\/\/gtm.com\/business\/wp-content\/uploads\/Business-Hero-3.jpg&#8221; alt=&#8221;Business-Hero-3&#8243; _builder_version=&#8221;4.21.0&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_fullwidth_image][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; fullwidth=&#8221;on&#8221; custom_padding_last_edited=&#8221;on|desktop&#8221; admin_label=&#8221;Section&#8221; _builder_version=&#8221;4.21.0&#8243; custom_padding=&#8221;10px||5px||false|false&#8221; custom_padding_tablet=&#8221;|0||0|false|false&#8221; custom_padding_phone=&#8221;5px||5px||true|false&#8221; transparent_background=&#8221;off&#8221; padding_mobile=&#8221;off&#8221; make_fullwidth=&#8221;off&#8221; use_custom_width=&#8221;off&#8221; width_unit=&#8221;on&#8221; global_module=&#8221;3434&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_fullwidth_post_title meta=&#8221;off&#8221; featured_image=&#8221;off&#8221; _builder_version=&#8221;4.21.0&#8243; title_text_align=&#8221;left&#8221; title_text_color=&#8221;#46a510&#8243; title_font_size=&#8221;36px&#8221; background_color=&#8221;rgba(255,255,255,0)&#8221; parallax=&#8221;on&#8221; parallax_method=&#8221;off&#8221; use_border_color=&#8221;off&#8221; border_color=&#8221;#ffffff&#8221; border_style=&#8221;solid&#8221; parallax_effect=&#8221;on&#8221; module_bg_color=&#8221;rgba(255,255,255,0)&#8221; global_colors_info=&#8221;{}&#8221; title__hover_enabled=&#8221;off|desktop&#8221;][\/et_pb_fullwidth_post_title][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; custom_padding_last_edited=&#8221;on|desktop&#8221; admin_label=&#8221;section&#8221; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;5px|||&#8221; custom_padding_tablet=&#8221;50px|0|50px|0&#8243; custom_padding_phone=&#8221;&#8221; transparent_background=&#8221;off&#8221; padding_mobile=&#8221;off&#8221; make_fullwidth=&#8221;off&#8221; use_custom_width=&#8221;off&#8221; width_unit=&#8221;on&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row column_structure=&#8221;3_4,1_4&#8243; _builder_version=&#8221;4.16&#8243; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;3_4&#8243; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_text admin_label=&#8221;Service Page Content &#8221; _builder_version=&#8221;4.22.1&#8243; hover_enabled=&#8221;0&#8243; z_index_tablet=&#8221;500&#8243; global_colors_info=&#8221;{}&#8221; sticky_enabled=&#8221;0&#8243;]<\/p>\n<p>Workers\u2019 compensation insurance, a no-fault system that provides wage replacement benefits and lifetime medical care for work-related injuries and illnesses, is mandatory for most New York State employers of one or more employees.<\/p>\n<p>Workers\u2019 compensation insurance covers:<\/p>\n<ul>\n<li>Health care related to an employee\u2019s injury<\/li>\n<li>Cash benefits of two-thirds of an employee\u2019s average weekly wage, up to a maximum<\/li>\n<li>Travel expenses to and from health care appointments<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h2>Why You Should Obtain Workers\u2019 Compensation through GTM<\/h2>\n<p>GTM Payroll Services offers workers\u2019 comp for our clients\u2019 convenience. Our affiliate, <a href=\"https:\/\/gtminsurance.com\/business-insurance\/workers-compensation\/\">GTM Insurance Agency<\/a>\u200b, can help employers obtain workers\u2019 compensation insurance.<\/p>\n<p>As a broker, GTM Insurance Agency works on your behalf to shop quotes from various carriers to provide you with the most competitive and pre-qualified options.<\/p>\n<p>GTM also offers pay-as-you-go (PAYGO) workers\u2019 compensation solutions. This innovative premium payment method presents small businesses with enhanced cash flow benefits and flexibility.<\/p>\n<p>By switching from the conventional upfront lump-sum premium model to PAYGO, employers can now conveniently make more frequent, proportionate workers\u2019 compensation premium payments based on their real-time payroll data, empowering them to better manage their finances and optimize cost management. This also eliminates premiums based on projected payrolls for the policy term, which can lead to overestimations or underestimations and surprise costs at the end of the policy period.<\/p>\n<p>Payroll integration enables automatic and real-time reporting of payroll data to the insurance carrier. As a result, employers no longer need to manually submit payroll data, reducing administrative burdens and the likelihood of errors.<\/p>\n<p>Other benefits include streamlined administration, reduced costs, enhanced compliance and reporting, and simplified claims processing and risk management.<\/p>\n<p>[\/et_pb_text][et_pb_button button_url=&#8221;https:\/\/gtminsurance.com\/business-insurance\/workers-compensation\/&#8221; url_new_window=&#8221;on&#8221; button_text=&#8221;Visit GTM Insurance&#8221; button_alignment=&#8221;center&#8221; admin_label=&#8221;Learn More Button&#8221; _builder_version=&#8221;4.22.1&#8243; _module_preset=&#8221;default&#8221; background_layout=&#8221;dark&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_button][\/et_pb_column][et_pb_column type=&#8221;1_4&#8243; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_text admin_label=&#8221;Insurance brochure&#8221; _builder_version=&#8221;4.22.1&#8243; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; module_alignment=&#8221;left&#8221; z_index_tablet=&#8221;500&#8243; text_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; text_text_shadow_vertical_length_tablet=&#8221;0px&#8221; text_text_shadow_blur_strength_tablet=&#8221;1px&#8221; link_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; link_text_shadow_vertical_length_tablet=&#8221;0px&#8221; link_text_shadow_blur_strength_tablet=&#8221;1px&#8221; ul_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; ul_text_shadow_vertical_length_tablet=&#8221;0px&#8221; ul_text_shadow_blur_strength_tablet=&#8221;1px&#8221; ol_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; ol_text_shadow_vertical_length_tablet=&#8221;0px&#8221; ol_text_shadow_blur_strength_tablet=&#8221;1px&#8221; quote_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; quote_text_shadow_vertical_length_tablet=&#8221;0px&#8221; quote_text_shadow_blur_strength_tablet=&#8221;1px&#8221; header_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; header_text_shadow_vertical_length_tablet=&#8221;0px&#8221; header_text_shadow_blur_strength_tablet=&#8221;1px&#8221; header_2_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; header_2_text_shadow_vertical_length_tablet=&#8221;0px&#8221; header_2_text_shadow_blur_strength_tablet=&#8221;1px&#8221; header_3_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; header_3_text_shadow_vertical_length_tablet=&#8221;0px&#8221; header_3_text_shadow_blur_strength_tablet=&#8221;1px&#8221; header_4_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; header_4_text_shadow_vertical_length_tablet=&#8221;0px&#8221; header_4_text_shadow_blur_strength_tablet=&#8221;1px&#8221; header_5_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; header_5_text_shadow_vertical_length_tablet=&#8221;0px&#8221; header_5_text_shadow_blur_strength_tablet=&#8221;1px&#8221; header_6_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; header_6_text_shadow_vertical_length_tablet=&#8221;0px&#8221; header_6_text_shadow_blur_strength_tablet=&#8221;1px&#8221; box_shadow_horizontal_tablet=&#8221;0px&#8221; box_shadow_vertical_tablet=&#8221;0px&#8221; box_shadow_blur_tablet=&#8221;40px&#8221; box_shadow_spread_tablet=&#8221;0px&#8221; use_border_color=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>&nbsp;<\/p>\n<h5><span style=\"color: #58c10a;\"><strong>Free Brochure<\/strong><\/span><\/h5>\n<p><a href=\"https:\/\/gtm.com\/business\/wp-content\/uploads\/2026\/03\/GTM-Customized-Insurance-Policies-Employee-Benefits.pdf\">Customized Insurance Policies and Employee Benefits<\/a><\/p>\n<p><a href=\"https:\/\/gtm.com\/business\/wp-content\/uploads\/2026\/03\/GTM-Customized-Insurance-Policies-Employee-Benefits.pdf\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-14493\" src=\"https:\/\/gtm.com\/business\/wp-content\/uploads\/2023\/08\/insurancebrochure-242x300.png\" alt=\"gtm insurance agency\" width=\"178\" height=\"220\" \/><\/a><\/p>\n<p>[\/et_pb_text][et_pb_button button_url=&#8221;https:\/\/gtminsurance.com\/get-a-quote\/&#8221; url_new_window=&#8221;on&#8221; button_text=&#8221;Get a Quote&#8221; button_alignment=&#8221;center&#8221; admin_label=&#8221;Quote Button&#8221; _builder_version=&#8221;4.22.1&#8243; _module_preset=&#8221;default&#8221; background_layout=&#8221;dark&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Workers\u2019 compensation insurance, a no-fault system that provides wage replacement benefits and lifetime medical care for work-related injuries and illnesses, is mandatory for most New York State employers of one or more employees. Workers\u2019 compensation insurance covers: Health care related to an employee\u2019s injury Cash benefits of two-thirds of an employee\u2019s average weekly wage, up [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"folder":[264],"class_list":["post-14426","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/gtm.com\/business\/wp-json\/wp\/v2\/pages\/14426","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/gtm.com\/business\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/gtm.com\/business\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/gtm.com\/business\/wp-json\/wp\/v2\/users\/7"}],"replies":[{"embeddable":true,"href":"https:\/\/gtm.com\/business\/wp-json\/wp\/v2\/comments?post=14426"}],"version-history":[{"count":5,"href":"https:\/\/gtm.com\/business\/wp-json\/wp\/v2\/pages\/14426\/revisions"}],"predecessor-version":[{"id":14605,"href":"https:\/\/gtm.com\/business\/wp-json\/wp\/v2\/pages\/14426\/revisions\/14605"}],"wp:attachment":[{"href":"https:\/\/gtm.com\/business\/wp-json\/wp\/v2\/media?parent=14426"}],"wp:term":[{"taxonomy":"folder","embeddable":true,"href":"https:\/\/gtm.com\/business\/wp-json\/wp\/v2\/folder?post=14426"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}