If you have employees, you are required by law to have these coverages. Depending on the type of business you have, and how long you have been in business there are programs that can help with the cost of these coverages. Did you know that some workers compensation programs offer dividends if you qualify? The New York State Disability has expanded in recent years to include paid family leave.  Your company can provide other added benefits for your employees that will assist with securing the help needed for your business.