This is state mandated coverage providing protection for employees when injured or sick due to a non work related incident.  All employers’ in New York State are required to carry DBL Coverage.  

We represent a number of disability carriers including:

NY State DBL Carriers

• The Guardian
• The Hartford
• Mutual of Omaha
• Standard Security
• U.S. Life
• Zurich-American

NY DBL - Binder Form

• You may use this form to bind coverage for groups up to 50 employees.
• For Partners / Proprietorship coverage, please contact us.
• For groups with over 50 employees, please contact us.