NY Workers Comp Information

All the latest news and information about New York workers compensation insurance.

New York can be a difficult state for employers to do business. The state is known for levying penalties for any non-compliance and the State Insurance Fund has a disproportionatley high percentage of all workers comp policies in the state because many insurance companies do not like the regulatory environment in the state. Aside from the fact that NY has unusualu requirments such as employer paid disability coverage attached to every workers comp policy, the state also has very complicated form requirment for business owners.

New York employers are advised to work with agencies like Workers Compensation Shop.com and to get workers compensation quotes from a minimum if 3 insurance companies to help ensure they find competitive rates for their business. Give us a call at 888-611-7467 if we can help.

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About Workers Compensation in New York

New York Regulatory Authority and Rating Bureau

200 E. 42 St.
New York, NY 10017
Phone: 212-697-3535

New York Other States Coverage Notice

All out of state employers are now required to cover employees working in New York state with a workers comp policy showing New York in item 3A of the policy information page. Each policy's Other States Coverage (Item 3C) will no longer be acceptable for temporary or incidental employment in the state of NY. An out of state employer that sends an employee to New York for even 1 day is required to procure a New York workers compensation policy

Failure to comply with this requirement could subject employer to uninsured penalties from the state of NY in the event of a work-related injury. If you have any work in New York during the course of a policy term, you are required to notify your insurance company immediately so New York can be added to your policy under section 3A

Employers that expect to have any work in New York should ask their insurance carrier to add NY to the policy on an 'if any' basis until actual employee exposure develops.

Sole Proprietors, Partners, and Limited Liability companies who are either automatically covered or have elected coverage in their own state will need to complete an election of coverage form for New York if they want to be covered in NY. Corporate Officers who have rejected coverage, or are not subject to the law in their primary state may need to complete a rejection of coverage form for NY in order to be excluded from coverage in the state of New York.

New York State Fund Coverage

New York does not utilize NCCI for workers compensation administration. Instead, the state operates its own state fund program known as the State Insurance Fund (SIF). SIF is a non-profit agency. Unlike many state fund programs, SIF competes with all other private insurance companies doing business in the state of New York.

NYS Class Code Searches and Rates

The New York State Insurance Department and NYCIRB do have a website available where employers and agents can search New York class codes and rates effective October 1st 2011. The NY Dept. of Insurance and NYCIRB do not permit 3rd party disbursement of information so comparisons between NY State Fund rates and the lowest rates offered by our insurance companies can not be illustrated here. To look up New York Class codes and current rates please visit:
• http://www.nycirb.org/
• Under the heading 'Department Services' choose 'Underwriting' and then choose 'Class Code Search.

More Programs and Options

We're always working with our insurance carriers to develop specialized programs for a broad range of industry class codes. Our Target Programs are designed to streamline the underwriting process and help ensure we offer the lowest rates available anywhere.

  • Contractors
  • Home Healthcare
  • Janitorial Services
  • Transportation
  • Hospitality
  • And More
New York Legal Compliance

Accurate Payroll Records Requirment

All employers doing business in NY must keep accurate payroll records including the number of employees, class codes, wages, and injury reports for four years after each policy terminates. Failure to retain accurate records may create a penalty up to $1,000 for each 10 day period of non-compliance,

Intentional misrepresentation or attempts to conceal accurate payroll records, classification, or other relevent information for workers compensation may result in a $2,000 penalty foir every 10-day period of non-compliance. There are additional fines up to $50,000 for any criminal convictions.

Let Workers Compensation Shop.com help your business find workers comp insurance in New York.


We take the time to make sure your business and employees are classified correctly and then we get to work finding the lowest rates available for your insurance coverage.
  • National workers comp Specialists
  • Licensed throughout the United States
  • Programs for standard and tough class codes
Once we've got your best quotes back from our carriers, we take the time to help you understand your options and the next steps to get covered quickly.
  • Pay As You Go insurance coverage
  • Easy billing and installment plans
  • We've helped over 35,000 business owners
Visit NCCI for more resources and information about workers' compensation class codes. Visit United States Department of Labor for more information about government agencies managing workers compensation insurance rates.

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