Some companies are seeing increases as high as 300 percent in their liability insurance bills. Part of the problem, according to an insurance industry spokesman is the “absolute liability” assessed to the employer in the event of a workplace accident. Under New York State labor laws, employers are not able to defend themselves, as they are in other states, by offering evidence of the injured employee’s culpable conduct. Defenders of the law say it increases workplace safety. Builders must carry liability insurance and consumers can expect that the increased costs will be passed on to them.