The top-rated workers' compensation insurance agent in Smithtown, New York is Jennifer O'Brien - State Farm Insurance Agent, rated 4.9 stars across 780 reviews. Other highly rated options include Joe Aguirre - State Farm Insurance Agent, Lynne Barnhardt - State Farm Insurance Agent, Philip Forte: Allstate Insurance. This directory lists 19 workers' compensation insurance agents serving Smithtown.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Jennifer O'Brien - State Farm Insurance Agent | 550 Smithtown Bypass 2nd Fl Suite 114 | (631) 724-0002 |
| 2 | Joe Aguirre - State Farm Insurance Agent | 61 W Main St | (631) 265-3880 |
| 3 | Lynne Barnhardt - State Farm Insurance Agent | 58 N Country Rd | (631) 265-5030 |
| 4 | Philip Forte: Allstate Insurance | 310 Maple Ave | (631) 346-6400 |
| 5 | Platinum Insurance Group | 111 E Main St | (516) 621-2436 |
| 6 | Jeff Troiano: Allstate Insurance | 25 Manor Rd | (631) 724-2100 |
| 7 | Zachary Millian: Allstate Insurance | 360 E Jericho Tpke | (631) 656-7856 |
| 8 | Cafaro Insurance Agency Inc. | 738 Smithtown Bypass #110 | (631) 321-6165 |
| 9 | Takach & Associates, Inc | 112 Terry Rd | (631) 366-2774 |
| 10 | Antos Agency Inc | 158 Terry Rd | (631) 360-3737 |
Jennifer O’Brien – State Farm Insurance Agent serves clients throughout Smithtown, NY, offering workers’ compensation insurance to local businesses. This agency helps employers secure coverage that meets state-mandated requirements, protecting both employees and company assets. Agents evaluate payroll, industry risk, and claims history to tailor appropriate policies. The firm also provides guidance on premium audits and safety program development to reduce workplace injuries. Specific services handled here include policy administration for small to mid-sized companies and assistance with claims reporting procedures in the Smithtown area.
As a workers' compensation insurance agent in Smithtown, NY, this agency provides coverage solutions that help businesses manage costs related to workplace injuries and employee absences. It assists clients in selecting appropriate policy limits and navigating premium audits to align coverage with actual payroll. Ongoing service includes claims reporting support and guidance on loss control measures. The agency also reviews policies periodically to recommend adjustments as business operations change. It services a range of properties, including single-family homes, apartments, retail locations, and restaurants.
Homeowners, businesses, and property managers in Smithtown, New York access workers’ compensation insurance through Lynne Barnhardt – State Farm Insurance Agent. This agency assists local employers with managing coverage that supports employees injured on the job. Policy options can be tailored to address the specific risks faced by small companies and larger firms alike. The agency regularly handles claims guidance and policy adjustments to meet changing workplace needs. Its service area also extends to nearby communities such as Hauppauge within the greater Suffolk County region.
Serving Smithtown and the surrounding Suffolk County communities, Philip Forte: Allstate Insurance handles workers’ compensation insurance for local businesses. It assists employers in securing coverage that meets New York state requirements, focusing on protecting both employees and company operations. Policies typically address medical expenses and lost wages for workplace injuries. For each client, the agency first reviews the specific needs of the business. Then it works to match those needs with appropriate coverage options from its offerings.
Platinum Insurance Group in Smithtown, NY, offers workers' compensation insurance agency services tailored to local businesses. The difference between one-time policy setups and recurring service options lies in the client’s ongoing compliance needs, with annual renewals often requiring updated coverage evaluations. A local agent here typically helps businesses secure coverage that meets state-mandated requirements while advising on risk management practices for workplace injuries. Service runs on an as-needed basis, with agents available throughout the policy term for claims support or policy adjustments.
Jeff Troiano: Allstate Insurance provides workers' compensation insurance agent services, including policy placement and claims support for businesses in Smithtown, NY. The agency advises local employers on coverage requirements and helps manage risk to comply with state regulations. It assists with payroll audits and injury reporting procedures. During seasonal fluctuations in labor or winter weather, the agency helps businesses adjust their coverage to address increased slip-and-fall risks.
As local businesses ramp up for the seasonal surge in staff, securing proper workers’ compensation coverage becomes a critical priority. Zachary Millian: Allstate Insurance in Smithtown, NY helps employers navigate this essential protection, ensuring claims for workplace injuries are handled efficiently. The agency works with small to mid-sized firms to match policies with their specific operational risks and state regulations. Every consultation begins with a thorough assessment of the business premises and current safety protocols to tailor coverage accordingly.
Cafaro Insurance Agency Inc. offers residential workers' compensation insurance for small home-based businesses in Smithtown, NY. The agency also provides commercial coverage for larger local firms requiring liability and wage replacement plans. Services extend throughout Smithtown and surrounding Suffolk County communities. Following an initial policy consultation, agents frequently revisit claims management or coverage adjustments during annual renewals, ensuring clients receive consistent support between each scheduled visit.
Takach & Associates, Inc assists businesses with securing workers’ compensation coverage in the Smithtown, NY area. The agency specializes in evaluating payroll classifications and risk factors to match clients with appropriate insurance carriers. Their services include ongoing policy management and claims support to help minimize workplace disruption. They provide coverage solutions for commercial sectors such as offices, warehouses, and food service operations.
Antos Agency Inc, located in Smithtown, NY, is a workers' compensation insurance agent known for helping local businesses navigate their mandatory coverage requirements. It provides access to policies that protect employers from the financial burden of workplace injuries while ensuring compliance with New York state regulations. The agency works with clients to assess risk levels and match them with appropriate insurance carriers. In addition to standard coverage, it can assist with securing employers’ liability insurance as a specialty add-on.
What Does a a Workers' Compensation Insurance Agent in Smithtown Cost?
Workers compensation insurance costs in New York vary by industry payroll and claims history. Average rates range from 1 to 3 dollars per 100 dollars of payroll for low-risk office jobs but can exceed 15 dollars for high-risk construction work. New York sets minimum premium amounts and uses a classification system to determine rates. This is general information and not insurance advice.
About workers' compensation insurance agents in Smithtown
A workers compensation insurance agent in Smithtown New York helps local businesses secure coverage required under New York State law. New York requires nearly all employers to carry workers compensation insurance even for part-time workers. An agent can explain how the New York State Insurance Fund works and help you find a private carrier policy that fits your business needs.
Frequently Asked Questions
What does a workers compensation insurance agent in Smithtown do?
An agent helps Smithtown business owners find and purchase a workers compensation policy. They explain New York coverage requirements including the need to cover all employees and independent contractors in some cases. They also assist with policy renewals and claims questions.
Is workers compensation insurance required for all businesses in Smithtown New York?
Yes New York law requires almost every employer with one or more employees to carry workers compensation insurance. This includes part-time seasonal and family workers unless specifically exempt. Failure to carry coverage can result in fines and stop-work orders.
How do I find a workers compensation insurance agent in Smithtown?
You can search online for licensed agents in Smithtown or contact the New York State Insurance Department for a list of authorized carriers. Many local independent agents in Suffolk County offer workers compensation policies from multiple insurance companies.
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