New York State DBL

New York State DBLAny employer with one or more employees in the state of New York must provide coverage. This includes employers of one or more domestic employees working in a private home at least 40 hours per week.

Standard Benefits are 50% of wages to a maximum of $170/wk for up to 26 weeks, after 7 days of disability.

Enriched New York DBL Coverage is also available.
Click here to learn more »

We offer some of the the most competitive companies in the state of New York.

DBL insurance can easily be sold by any agent or broker with a health or property and casualty license.

Be sure to ask your commercial accounts about their DBL insurance! If you don’t, you’re missing out on a great selling opportunity, neglecting to meet your client’s needs, and leaving dollars on the table.

Broker Tools

Groups of Under 50 Lives
Latest rates
WestCo Guardian Standard Security
Annual in Advance 1 – 49 1 – 49 1 – 49
Annual Premium a 9.80 45.00 23.16 53.88 20.28 44.16
Annual Premium b 22.20 57.00
Partner or Prop 114.00 68.88 112.32
Quarterly in Advance 10 – 49 10 – 49 10 – 49
Per Month 2.90 6.35 2.60 5.75 1.90 4.20
Partner or Prop 9.50 6.85 9.36
Minimum Quarterly Premium $20 $15 $16
Prepay Required No No No
National Benefit Life only:
a.  Rates for Bronx, Columbia, Delaware, Dutchess, Greene, Kings, Nassau, New York, Orange, Putnam, Queens, Richmond, Rockland, Suffolk, Sullivan, Ulster and Westchester Counties.
b. Rates for all other counties in New York State.

* Home office: New York, NY

Groups of Under 50 Lives

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Groups of 50 or More Lives

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New! Enriched New York DBL Coverage
Benefits payable for up to 26 weeks or 52 weeks
Benefits payable at 50% or 60% of covered payroll.
Benefits available to a maximum of $749/week.
Please Click Here for More Details


New York State DBL Insurance Regulation & Product Updates

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