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Paid Family Leave & Disability Benefits Law

New York requires most private employers to carry DBL and Paid Family Leave coverage. Eastern Shore Insurance Agency makes compliance simple and keeps it that way.
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Independent Advice

We work for you, not the insurance companies.

Employee-Owned

A team committed to your business and your success.

Six Local Offices

Proudly serving Central & Upstate New York.

Life happens off the clock

DBL and Paid Family Leave step in when life happens away from the job.

An employee needs eight weeks off after surgery unrelated to work.

DBL replaces part of their wages while they recover.

A new parent takes leave to bond with their baby.

Paid Family Leave provides job-protected, paid time off.

A state notice asks you to prove coverage.

Your policy documentation answers it.

What Paid Family Leave & DBL Insurance Covers

These are two state-mandated coverages that usually ride on one policy:

DBL (Disability Benefits Law)

Partial wage replacement when an employee cannot work because of an off-the-job injury or illness, including pregnancy.

Paid Family Leave

Paid, job-protected leave to bond with a new child, care for a seriously ill family member, or support a family member deployed on active military service.

Statutory compliance

Coverage that satisfies New York filing and certificate requirements.

Enriched DBL options

Benefit levels above the state minimum for employers who want to offer more.

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Who Needs Paid Family Leave & DBL Coverage

These are state-mandated coverages, and the threshold for needing them is low.

Private employers with employees

Required in New York from the first hire.

Growing businesses adding payroll

Compliance travels with every new employee.

Employers facing a state notice

Your policy documentation answers it.

Companies competing for talent

Enriched benefit levels strengthen your offer inexpensively.

We place these coverages for employers of every size, from a one-chair salon to a hundred-person manufacturer, and coordinate them with your workers’ compensation program.

Need a certificate of insurance fast?

We issue certificates quickly, because a slow certificate can cost you the job. We'll take care of it.

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  • 315-598-6000

Who Needs Paid Family Leave & DBL Coverage

These are state-mandated coverages, and the threshold for needing them is low.

Private employers with employees

Required in New York from the first hire.

Growing businesses adding payroll

Compliance travels with every new employee.

Employers facing a state notice

Your policy documentation answers it.

Companies competing for talent

Enriched benefit levels strengthen your offer inexpensively.

We place these coverages for employers of every size, from a one-chair salon to a hundred-person manufacturer, and coordinate them with your workers’ compensation program.

Need a certificate of insurance fast?

We issue certificates quickly, because a slow certificate can cost you the job. We'll take care of it.

Talk to an Agent
Get a Quote
  • 315-598-6000

How the required NY coverages fit together

If you have employees in New York, the first two are the law. We will make sure both are in place.

DBL & Paid Family Leave

Off-the-job disability and paid family leave. This page.

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Workers' Compensation

On-the-job injuries and illness. Also required.

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General Liability

Injuries to customers and the public. Required by nearly every lease and contract.

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Why Eastern Shore Insurance Agency

As an independent, employee-owned agency, we shop multiple carriers to find the right coverage at the right value, and we are honest about what you do not need. With six offices across Central and Upstate New York, from Fulton to Waterloo, you get an advisor who knows your community and answers the phone when a claim happens.

Trusted Choice®

100% Employee-Owned

Six New York Offices

Independent Agency

“Eastern Shore handled our COI the same afternoon we called. When a claim hit, the same person picked up the phone. That is what an insurance partner is supposed to look like.”
Mark S.
Business Owner, Oswego, NY
“Eastern Shore handled our COI the same afternoon we called. When a claim hit, the same person picked up the phone. That is what an insurance partner is supposed to look like.”
Mark S.
Business Owner, Oswego, NY
“Eastern Shore handled our COI the same afternoon we called. When a claim hit, the same person picked up the phone. That is what an insurance partner is supposed to look like.”
Mark S.
Business Owner, Oswego, NY

Paid Family Leave & DBL FAQs

Quick answers to common questions from New York employers.
Yes. Most private NY employers must carry both from their first employee. The state cross-checks, and lapses bring penalties. The good news: the coverage is inexpensive and simple to put in place.
DBL pays a portion of wages when an employee is disabled by something that happened off the job. PFL pays for time away to bond with a child or care for family. They cover different situations and both are mandatory.
New York allows employers to fund the coverage through small employee payroll contributions, up to state-set limits. Many employers simply absorb the modest cost. We will show you both approaches.
Yes. Enriched DBL raises the weekly benefit above the statutory level, an inexpensive way to strengthen your benefits package. Ask us for the upgrade pricing alongside your compliance quote.

Have any questions?

Our local team can help you find the right coverage for your business in New York.

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General Liability

Everyday protection for your business.

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Workers' Compensation

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Executive Liability

Protection for the people who lead.

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Inland & Ocean Marine

Coverage for property on the move.

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Contractors · Transportation · Farms & Ranches

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Industries We Serve

Insurance solutions built for the way you work

We partner with businesses across a range of industries to help manage risk and drive growth.

Contractors

Manufacturing

Hospitality & Restaurants

Non-Profits & Churches

Farms & Ranches

Retail

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