The rule includes part-time employees and family members employed by the company.
Employers must have a workers' compensation insurance policy. It can come from a private insurance carrier, the New York State Insurance Fund, or self-insurance. Businesses must show proof of the policy when getting business permits. Businesses may be exempt in very narrow circumstances. They are only exempt from these rules in that case. Self-insurance is rare.
The workers' compensation system is a form of no-fault insurance. Employees have a right to receive workers' compensation benefits for job-related benefits. But an employee usually cannot sure an employer for an injury if a policy is in place.