Compliant
from day one.
NY mandates workers' comp for any W-2 employer. We bind same-day, handle the 25-A filings to the Workers' Compensation Board, and walk you through every audit.
Six components
of a WC policy.
Workers' comp is not just a benefit — it is a compliance document, a liability shield, and a contract with the state. Here is what each part does.
WC statutory benefits
Medical treatment, wage replacement (two-thirds of average weekly wage) and permanent disability awards — all mandated by NY Workers' Compensation Law.
Employer liability
Covers suits brought outside the comp system — primarily third-party-over claims where an injured worker sues a related party who then seeks indemnity from the employer.
Class code review
Premium is set by class code × payroll. Wrong codes mean overpayment or audit disputes. We review every code before binding — not after the audit letter arrives.
Experience mod
Your mod score compares your actual claims to expected claims for your industry. We track it, explain what's driving it, and flag when you're due for a credit.
Certificates of insurance
GCs, landlords and municipalities require COIs before work starts. We issue them same-day and keep a digital record. No chasing, no delays.
Audit defense
Annual payroll audits reconcile final premium to actual wages. We walk you through the audit, verify class code assignments, and dispute errors before you pay.
Class code review.
Quote. COI delivery.
Most agencies bind and disappear. We review your class codes first — then quote, bind, file the 25-A and deliver your COI on the same day.
Class code review.
We review your payroll categories and assign the correct class codes before submitting to carriers. Wrong codes cost money at audit — we catch them first.
Quote and bind.
We run the profile across admitted WC carriers in NY. You see premium, class codes and experience mod in one comparison — then bind electronically same-day.
25-A filing & COI.
We file Form 25-A with the Workers' Compensation Board electronically and issue your certificate of insurance. You start work compliant, not pending.
An independent agency means I work for the policyholder, not the carrier. That's the whole job."
Built in the Bronx, for the Bronx.
Betances Agency Solutions is an independent agency on East Gun Hill Road. We write every line we sell — no broker-of-record handoffs, no offshore service desk. One agent, every call.
Carriers we work with
10 admitted carriersSend the payroll details — we handle the rest.
Quotes typically return same business day. We verify class codes, review your experience mod, and deliver a ready-to-bind comparison.
Bronx, NY 10467
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Independent. Bilingual. Bronx-based. We shop ten carriers so you don't have to. Hablamos español.
10 Carriers · 7 Lines · Bilingual