NY State enacted laws in 1913 to protect workers from on the job injury. This required ALL EMPLOYERS to properly insure employees for injuries due to and in the course of employment regardless of fault. 

In addition to Workers' Compensation Law, NY State established the formation of Safety Groups to assist employers in properly covering their employees: 

• Proper medical care to workers
• Contain/Reduce the cost of Workers' Compensation coverage for employers with Up-Front Discounts & Dividends
• Reduce frequency & severity of claims by prevention of accidents & diseases 

Each Safety Group is created for a group of companies that operate in the same industry. This allows similar types of industries with similar exposures & hazards to buy the mandatory, statutory coverage at the lowest possible costs. In addition, the Safety Group provides the highest level of service.