Who is responsible for providing Workers Compensation for a FHV Driver?

The responsibility for providing Workers Compensation for a For-Hire Vehicle (FHV) driver primarily falls on the base. This is because the base operates as the entity that dispatches rides to FHV drivers and has a direct relationship with them. Under New York's regulations, bases are required to ensure that their drivers are covered by Workers Compensation insurance due to the nature of the job, which involves potential risks and liabilities.

This system protects drivers by ensuring they have access to crucial benefits in the event of injuries sustained while working. The relationship between the base and the driver means that the base is typically in a better position to manage and provide the necessary insurance coverage. In contrast, while drivers may have personal insurance policies, those typically do not cover workplace injuries, which is why the onus falls on the base to secure appropriate Workers Compensation coverage.