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Below is a listing of the documents that are available. Simply click on the document title to select that documents. The index is updated on a regular basis.
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Workers’ compensation
Fellow employee suits
Discusses the issue of being sued by a fellow employee for an auto accident above what might be covered under a workers’ compensation policy. 1 page
Domestic employees
Discussion of in-house domestic employees and how to best determine whether coverage is under the homeowners policy or if a separate workers’ compensation policy is needed. 2 pages
Other states coverage in workers’ compensation residual-market policies
Discusses workers’ compensation coverage for when an insured works out of state and coverage exposures an insured might experience. 4 pages
Interstate Workers’ Compensation Insurance Plan coverage
Explains that the NCCI, in cooperation with the Workers’ Compensation Insurance Plan can help accommodate the workers’ compensation coverage needs when an employer operates in multiple states. 1 page
Give me liberty or give me a paycheck
A discussion of independent contractors and how they are properly handled in the workers’ compensation arena. 4 pages
Who is an "employee"?
A discussion of Connecticut’s Workers’ Compensation Law relating to independent contractors, executive officers, and LLC members. 2 pages
Facts about workers’ compensation audits
A brief question-and-answer piece that answers producers’ most commonly asked questions on audits conducted for workers’ compensation coverage and what to expect. 2 pages
Connecticut workers’ compensation information packet
A great reference provided by the Connecticut Workers’ Compensation Commission that explains the flow of a typical workers’ compensation case, and provides guidelines, forms, and contacts. 40 pages
An employee’s pocket guide to Connecticut workers’ compensation
A brief summary of the Connecticut workers’ compensation system, which includes what to do if injured on the job and contact information for Connecticut Workers’ Compensation Commission offices. 4 pages
Employee vs. independent contractor status sample notification form
Sample notification form that agents and brokers can use with your clients after discussing employee vs. independent contractor exposures. 1 page
Connecticut 2025 workers’ compensation rates and loss costs
Provides the 2025 workers’ compensation rates and loss costs from the National Council on Compensation Insurance Inc. 11 pages
Employee vs. independent contractor—common law test
Overview of the common law test for use in Connecticut for workers’ compensation and employment tax determinations. 2 pages
Connecticut workers’ compensation loss-cost multipliers
Offers a listing of the company-specific loss cost multipliers for workers’ compensation insurance. 10 pages
2025 New Hampshire workers’ compensation loss-cost multipliers
Provides a copy of workers’ compensation loss cost multipliers for New Hampshire. 16 pages
2025 New Hampshire voluntary workers’ compensation loss costs and residual-market rates
Provides a copy of voluntary workers’ compensation loss cost and residual-market rates for New Hampshire, effective Jan. 1, 2023. 7 pages
Criteria to establish an employee or independent contractor in New Hampshire
A notice that outlines the definition of an employee to assist in determining whether an individual is an employee or independent contractor. 1 page
Other states coverage in workers’ compensation residual-market policies
Comprehensive discussion on how to cover out-of-state employee assignments in the workers’ compensation residual market. 4 pages
Interstate Workers’ Compensation Insurance Plan coverage
Explains that the NCCI, in cooperation with the Workers’ Compensation Insurance Plan can help accommodate the workers’ compensation coverage needs when an employer operates in multiple states. 1 page
Other states coverage in workers’ compensation residual-market policies
Comprehensive discussion on how to cover out-of-state employee assignments in the workers’ compensation residual market. 4 pages
2025 WC overall rate level decreases 6.9%
New Jersey Compensation Rating and Inspection Bureau circular letters, manual amendment bulletins, and advisory bulletins that explain the rate revisions, experience rating and other rules effective Jan. 1, 2025. 2 pages
New Jersey workers’ compensation certificate of insurance and audits for contractors
Brief discussion and sample letter regarding subcontractors and how the election of workers’ compensation coverage by sole proprietors, LLC members, and partners may impact contractor clients at audit. 2 pages
New Jersey workers’ compensation and employers’ liability manual order form
Order form for the New Jersey Compensation Rating and Inspection Bureau Manual and update service. 2 pages
Give me liberty or give me a paycheck
A discussion of independent contractors and how they are properly handled in the workers’ compensation arena. 4 pages
Domestic employees
Homeowners have a nonbusiness exposure for both hired workers that are subject to the Workers’ Compensation Law and hired workers subject to tort law, as this resource kit will show. 3 pages
Employee vs. independent contractor assessment—common law test
Overview of the common law test for use in New Jersey for workers’ compensation and employment tax determinations. 2 pages
New York workers’ compensation reporting requirements (Section 110)
Summarizes the New York state workers’ compensation reporting requirements for an employee injured on the job and provides the necessary form to file (Form C-2). 4 pages
Homeowners as employers
Homeowners have a nonbusiness exposure for both hired workers that are subject to the Workers’ Compensation Law and hired workers subject to tort law, as this resource kit will show you. 10 pages
Other states coverage in workers’ compensation residual-market policies
Addresses the need for other states workers’ compensation coverage when there is an out-of-state risk involved. 4 pages
What’s a workers’ compensation SIF safety group?
A brief synopsis of safety groups and how they operate in the State Insurance Fund. 1 page
State Insurance Fund notice to contractors
This notice addresses a contractor’s responsibility in regard to uninsured subcontractors, wrap-up jobs, subcontractors working without employees, and corporate subcontractors with one or two executives who own the corporation’s stock. 2 pages
New York workers’ compensation rates—October 2025
Information on the New York State Department of Financial Services’ approval of the 2024 workers’ compensation rate filing. 24 pages
New York workers’ compensation group self-insurance regulation
Provides the regulation on group self-insurance, which establishes application procedures, qualifications, and responsibilites for any group of employers becoming or acting as a group self-insurer. 17 pages
New York State Insurance Fund policyholder services contact list
Handy reference of contact names and phone numbers for the New York State Insurance Fund. 2 pages
Understanding the claims process
An overview of the New York State Workers’ Compensation Benefit Law, who is covered, how claims are paid, discrimination, etc., and a question-and-answer piece provided by the New York State Workers’ Compensation Board. 13 pages
Workers disability benefits
An overview of the New York State Disability Law, who is covered, how to file a claim, how they are paid, as well as a question-and-answer piece provided by the New York State Workers’ Compensation Board. 6 pages
Labor Law is serious business
An in-depth discussion of the New York Labor Law Sections 240, 241 and 241-a, their absolute liability provisions, and the crisis issues that have been arising. 4 pages
Workers’ compensation insurance requirements: government-issued permits, licenses, and contracts
Outlines the requirements of New York State Workers’ Compensation Law Section 57 and Section 220.
Important information for out-of-state employers operating in New York state
Bulletin from the New York Workers’ Compensation Board that outlines what New York requires for workers’ compensation and disability coverage. 5 pages
Give me liberty or give me a paycheck
A discussion of independent contractors and how they are properly handled in the workers’ compensation arena. 3 pages
What business owners must know about workers’ compensation
The document outlines what every business owner needs to know about workers’ compensation. 1 page
Determining employee vs. independent contractor status in New York
Helpful information provided by the New York State Workers’ Compensation Board regarding how to determine employee vs. independent contractor status for workers’ compensation coverage. 1 page
Construction Industry Fair Play Act creates presumption of employment
A comprehensive review of the worker misclassification legislation. 2 pages
New York Workers’ Compensation Board out-of-state employers policy
This resource kit contains the information your clients need to be in compliance with the requirements for out-of-state employers conducting operations in New York. 2 pages
New York State Insurance Fund audit fundamentals
A quick reference guide on how to prepare your agency for a New York State Insurance Fund audit. 2 pages
New York State Insurance Fund application tips
A quick reference guide to completing New York State Insurance Fund applications. 3 pages
Summary of 2007 New York workers’ compensation reform legislation
An in-depth reviewing of the numerous changes made to the New York’s Workers’ Compensation Law. 13 pages
New York state law making agents/brokers independent contractors
Actual New York State Workers’ Compensation Law regarding agents/brokers being treated as independent contractors. 2 pages
Employee vs. independent contractor assessment—common-law test
Overview of the common-law test for use in New York for all employee vs. independent contractor determinations. 2 pages
Recent updates to New York State Workers’ Compensation Law
A comprehensive overview of the latest workers’ compensation changes.
Interstate Workers’ Compensation Insurance Plan coverage
Explains that the NCCI, in cooperation with the Workers’ Compensation Insurance Plan, can help accommodate the workers’ compensation coverage needs when an employer operates in multiple states. 1 page
Other states coverage in workers’ compensation residual-market policies
Addresses the need for other states workers’ compensation coverage when there is an out-of-state risk involved. 5 pages
Vermont Department of Labor—criteria to establish an employee or independent contractor
A notice that outlines the definition of an employee to assist in determining whether an individual is an employee or an independent contractor. 1 page
Vermont workers’ compensation fact sheet for employers
A comprehensive guide to workers’ compensation coverage for Vermont employers. 16 pages
Vermont 2025 workers’ compensation rates, loss costs, and current loss-cost multipliers
Provides a copy of voluntary workers’ compensation loss costs for Vermont. 2 pages
Maritime law: LHWCA and Jones Act
Outlines the special insurance needs under the Longshoremen’s and Harbor Workers’ Compensation Act of 1927 and the Jones Act covering marine workers. 4 pages
The flanking maneuver
This resource kit discusses coverage under workers’ compensation and employers’ liability when dealing with third-party claims. 2 pages
Workers’ compensation endorsements that need clarification
This resource kit will add clarity to our understanding of three endorsements (i.e., the alternate employer, waiver of subrogation, and foreign exposures endorsements) used with the workers’ compensation policy. 4 pages
A conversation about independent contractors
This resource kit offers helpful tests to assist agents in properly classifying independent contractors and employees. 3 pages