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Worker’s compensation


Our expertise and years of experience allow us to understand the complexities of Workman’s Compensation. The elements of creating the right Workman’s Compensation plan reaches beyond insurance and right into your payroll and the way you do business.

We take Workman's Compensation very seriously, not just because it is required by law, but also because it is one of the largest pieces of your business’s overhead. Our service keeps your policy up-to-date with the rules and regulations that affect your business. Some of these services include:

  • Ensuring coverage for 1099s who work for you and do not have their own workman's compensation.
  • Confirming your payroll is classified correctly, which may include breaking payroll into different classifications to take advantage of more favorable rates.
  • Analyzing your discount and surcharges for accuracy, and how to mediate going forward.
  • Always including the Statutory Disability.
  • Presenting multiple payment options, including a “pay as you go” plan, to keep your monthly fixed expenses as low as possible.

We work hard to insure your hard workers!

Don't forget the Statutory Disability!  This is required coverage as well, and usually quite inexpensive.  Many carriers now offer terrific extra, cost effective coverages that employees love!

  • Mary Graf has provided our small business with the knowledge, tools, and expertise to make informed decisions regarding our insurance investments. She is a warm and professional person who is highly motivated to do the absolute best for her clients and community.

    Brian Botticelli , Botticelli Prints Inc. Huntington, NY
  • Mary has been our insurance broker for many years. Her extensive knowledge of the companies and product offerings is critical to securing the best coverage for us. Her ability to ask the right questions, delve into the most relevant information and discern our requirements has forged a strong working relationship. Personally delightful and professionally efficient, Mary and her agency staff always provide top-shelf service!

    Fritzi Gros-Daillon , Anson Environmental Corp. Transitions USA Inc.
  • When I think of insurance, I think “Graf Agency.” I first joined our family business in 1984 and when I was introduced to Ken Graf, I soon realized why our family did business with his family.

    Over the years, Mary Graf has continued the family tradition of unmatched service, responsiveness and attention to detail. I know I can always depend on Mary to possess the knowledge, do the research and advise me on the best products for our business and my personal needs.

    The peace of mind that this provides is priceless.

    Joseph Fusaro , Green Energy Solutions AMJ Building Corp. Huntington, NY
  • As a Business Management Consultant with high-end clients who demand excellence, I only work with Mary from the Graf Agency for all my insurance needs.

    Mary’s response time, care and attention to my requests are always impeccable. Not only does she know her industry very well and provide the best packages, but she also takes the time to research the most cost-effective ways to make sure I am always offering my clients the very best!

    Evan Antonini, EHM Group, LLC Bookkeeping & Controllership Services New York, NY

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