Very likely. New York applies its own test for employment status, and misclassifying mechanics is one of the most common findings in a workers’ compensation audit. Getting this wrong can mean back premium, penalties, and an uninsured injury claim at the same time.
Fraud is a crime
If your application contains purposefully misleading, absent, or inaccurate information, you could be charged with fraud. Your insurance carrier could potentially void your policy, or you could face civil or criminal charges or penalties.
Any person who knowingly and with intent to defraud any insurance company or other person, files an application for insurance or statement of claim containing any materially false information or conceals, for the purpose of misleading, information concerning any fact material thereto, commits a fraudulent act, which is a crime.
