Whether you have a high-risk job or spend your day sitting at a desk, there’s always a chance of getting injured while at work. In fact, some of the most common occupational injuries in the U.S. are the result of slips, trips, and falls. Because on-the-job accidents are unavoidable, most employers carry workers' compensation to cover their employees’ injuries. However, there are a few circumstances in which you can sue your employer if you get hurt at work. Below is a brief guide to compensation options for workplace injuries in New York.

Why Employers Carry Workers’ Compensation

Most states, including New York, require employers to carry workers' compensation. This type of insurance compensates full-time employees for medical bills, lost income, and other costs that may result from on-the-job illnesses or injuries.

It provides coverage regardless of whether the employee or employer was at fault, and helps protects employers’ bottom line by prohibiting employees from filing personal injury claims in all but limited circumstances.

When You Can Sue Your Employer

There are two situations in which you can sue your employer for a work injury. The first is if they intentionally tried to hurt you. In order to file this type of personal injury claim, your employer must have taken direct action to cause you harm— failing to protect your health or safety due to negligence is not enough for an intentional harm lawsuit.

The second circumstance is if your employer has no workers’ compensation insurance or carries an insufficient amount of workers’ comp insurance. This is against the law in New York, which means that in addition to facing a personal injury lawsuit, your employer will be forced to pay stiff fines.

If you’ve been injured at work, get in touch with Vincent J. Criscuolo & Associates. Based in Rochester, NY, the seasoned attorneys at this firm are dedicated to helping injured employees get the compensation they deserve, whether through workers’ compensation or personal injury claims. Visit their website to learn more, and call (585) 232-3240 to schedule a complimentary consultation today.