In NY insurance has a relation to everything in life. Lets take something simple like air conditioning for example.
If you owned a business with several employees or maybe more, and you did not provide the proper air conditioning on premises; do you think you would be able to obtain the proper insurances to stay in business? Well think about your NY workers compensation insurance for a minute. Depending on the type of business you own, you may not be able to obtain affordable workers compensation insurance from a standard insurance carrier. The reason being, the insurance companies do not want to insure a "claim waiting to happen" such as a NY workers compensation insurance for an employee suffering from heat stroke on the job.