DBL forms insurance brokers need and how to get them
When a business writes a private disability insurance and Paid Family Leave policy in New York, they need to show proof of coverage through an approved carrier. Form DB-120.1 shows that proof of coverage for a private policy.
But brokers can’t issue the form; it needs to come directly from the insurance carrier. Brokers can download the form for each client through their insurance carrier’s portal or through The DBL Center’s Broker Dashboard.
It’s not difficult, but it is time-consuming. The DBL Center can take over this tedious task by accessing your DB-120.1 forms. The form shows that the business is complying with mandatory coverage requirements for NYS DBL and PFL.
The DBL Center also provides other capabilities through our Dashboard, including a customized marketing analysis, policy-tracking, and the ability for our brokers to receive commissions via ACH Direct Deposit.
Let’s explore how The DBL Center, as your wholesale general agency, helps alleviate administrative burdens for insurance brokers.
Use Our Broker Dashboard to Track Renewals, Cancellations and Commission
One of The DBL Center Founder David Cohen’s favorite phrases was: “It’s not what you earn, it’s what you keep.” When he founded The DBL Center, he tracked all sales and commissions on a paper ledger.
When Michael S. Cohen took over the company, he transitioned the spirit of that paper ledger into a state-of-the-art app, The Broker Dashboard: Net Revenue Tracker. Broker Dashboard users enjoy the benefit of push notifications to their email letting them know when a policy is pending cancellation or renewal, so they can be proactive serving their clients.
Our Customized Marketing Analysis Reveals Client Risk Gaps and Broker Opportunities
New in 2025, The DBL Center is offering a customized marketing analysis that reveals risk gaps in your clients’ employee benefits coverage. These gaps translate into opportunities for brokers to provide in-demand benefits and boost commissions.
Thanks to our platform’s API capabilities, you can deliver a white-labeled, customized report to your clients showing their options.
Reach out to schedule your free demo now.
Let Us Shop Your Clients’ Policies to Top Carriers
The DBL Center does the legwork, so you don’t have to. We leverage relationships and volume with top insurance carriers to secure the best premium rates and coverage available. It’s like Black Friday or Amazon Prime Day, every day, when you rely on The DBL Center as your wholesale general agency and back-office staff.
You don’t have to worry about meeting minimum business requirements, either. There are no monthly, quarterly, or annual business requirements to gain access to our white-glove service and low premiums. Plus, receive commissions via ACH direct deposit – no paper checks that can delay payments.
Let The DBL Center Serve As Your Back-Office Team
David Cohen was also a big proponent of working at what you’re good at, sticking to the tasks you do best. With The DBL Center as your back-office staff, we help streamline everyday tasks so you can focus on selling insurance.
When brokers are free to share the benefits of bundling private disability insurance, PFL, and ancillary benefits with their clients, everyone wins. Let The DBL Center take care of the rest.
Are you taking advantage of all the perks of working with an insurance wholesaler? If not, reach out to us today.
FAQs
Who is authorized to issue form db-120.1?
Only insurance carriers and licensed agents can issue form DB-120.1, Certificate of Insurance Coverage – Disability and Paid Family Leave Benefits Law.
What documents are needed for STD in NY?
Businesses who write mandatory short-term disability and PFL with a private carrier must submit a DB-820 certificate to the labor board, filed electronically, showing proof of insurance coverage through an approved carrier.
What is the penalty for not having disability insurance in NY?
Employers who fail to provide statutory disability and paid family leave insurance in New York, either through the state fund (NYSIF) or an approved private carrier, can face fines that range from $100 to $500, imprisonment for up to one year, or both. Subsequent violations within five years can result in fines up to $1,250, while a third violation within the same five-year period could lead to fines up to $2,500, according to the state Workers’ Compensation Board.
Is there a waiting period for NYS DBL?
NYS DBL claims written through the New York State Insurance Fund (NYSIF) or through a private carrier have a 7-day waiting period from the day disability began before employees can collect any benefits. Private policies may offer cost savings, an opportunity to enrich coverage at a low premium rate, and personalized service.
