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New York Workers Comp Rates

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New York Workers Comp Rates

New York workers' compensation rates continue to increase in 2019.

New York's average cost for workers compensation continues to rise. A bi-annual study conducted by the OR Department of Consumer Affairs indicates that New York is now the 4th highest state for workers comp rates. The state was number 13 in 2010, 5th in 2012 and 2016. Rates are currently about 155% higher than the national median.

The workers comp system in NY is administered by NYCIRB. New York is a Loss Cost state which means that the NY Rating Board issues new manual rates for workers compensation each year (Usually around October 1). Every insurance carrier must utilize these manual rates to develop premium. However, many of our insurance companies offer additional policy discounts and premium credits for our New York quotes.

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The workers' compensation rates listed below for New York represent the current lowest and highest insurance rates we've found effective 1/1/2019. New York rates are set by the New York Workers' Compensation Board and New York State Insurance Department. Insurance companies may be able to offer discounts and credits on policies in NY. We offer Pay As You Go insurance coverage in the state. Not all employers will qualify for the lowest rates available or maximum policy credits. Compare your workers compensation rates with over 35 insurance carrier to ensure your get the best price on your policy.

Class Code

Low Rate High Rate

0035 Farm- Planting and Harvesting- Cannabis Growers

$2.90 $5.66

0042 Lawn Service and Maintenance

$6.24 $12.17

0106 Tree Trimming- Pruning- Removal

$9.57 $18.66

0917 Residential Cleaning Service- Housekeepers

$5.39 $10.51

2121 Breweries- Craft Beers

$4.55 $8.87

2143 Winery- Wine Makers

$4.78 $9.32

2593 Carpet Cleaning

$6.45 $12.58

3632 Machine Shop

$3.84 $7.49

3724 Garage Door Installation

$5.48 $10.69

3821 Salvage Yard-Automobile Recycling

$9.74 $18.99

5022 Masonry Construction

$20.68 $40.33

5102 Metal Building Construction

$13.21 $25.76

5102* Solar Energy Contractors- Installation

$13.21 $25.76

5183 Plumbing Contractors

$7.79 $15.19

5190 Electrical Work- Electrician

$5.67 $11.06

5191 Alarm Installation and Repair

$1.54 $3.00

5221 Concrete Work- Flat Work Cement

$13.05 $25.45

5223 Pool Installation- Pool Maintenance

$9.50 $18.53

5348 Ceramic, Tile and Stone Work

$8.82 $17.20

5429 Trim- Finish Carpenters- Cabinets- Countertops

$8.02 $15.64

5445 Drywall Contractors

$9.65 $18.82

5474 Painting Contractor

$10.47 $20.42

5536 HVAC- Heating and Cooling Service/Repair

$7.50 $14.63

5538 Metal Building Construction

$8.19 $15.97

5545 Roofing Contractors

$21.84 $42.59

5606 Asphalt & Paving Work

$4.49 $8.76

5645 Residential Construction- Home Builders- Remodelers- Siding

$11.13 $21.70

6217 Excavation and Grading Work

$8.37 $16.32

6400 Fence Installation & Repair

$7.09 $13.83

7197 Package and Parcel Delivery

$9.56 $18.64

7219 Trucking- Short Haul and Long Haul

$11.50 $22.44

7219* Towing Company

$11.50 $22.44

7377 Non-Emergency Medical Transportation- Taxi- Limousine- Airport Shuttle

$9.26 $18.06

7720 Security Guards- Patrol Officers

$2.50 $4.88

8006 Gas Stations- Convenient Stores

$1.83 $3.57

8017 Retail Stores- Merchandise- Cannabis Dispensary

$1.55 $3.02

8292 Warehousing and Storage Facility

$5.08 $9.91

8293 Furniture Moving &/or Storage & Drivers

$14.32 $27.92

8391 Auto Service and Repair- Mechanic

$3.78 $7.37

8391* Auto Body Repair

$3.78 $7.37

8742 Sales Professional

$0.31 $0.60

8810 Clerical- Office Employee

$0.14 $0.27

8831 Animal Shelters and Kennels- Veterinarian

$1.38 $2.69

8832 Medical Office- Doctor- Dentist- Chiropractor, Optometrist

$0.46 $0.90

8840 Religious Organization- Church- Temple

$0.51 $0.99

8864 Social Service Organizations- Counseling- Family Services

$3.39 $6.61

8865 Group Homes- Temporary Shelters- Disability Facility

$0.50 $0.98

8869 Child Care Center- Daycare Providers

$0.97 $1.89

9028 Property Management- Leasing Agent

$3.45 $6.73

9030 Janitorial Service Contractors- Pest Control- Exterminating- Chimney

$5.73 $11.17

9048 Building Maintenance-Campgrounds-Camps-RV Parks

$2.71 $5.28

9051 Home Healthcare Workers

$4.25 $8.29

9052 Hotels and Motels

$3.47 $6.77

9060 Golf Courses and Country Clubs

$1.80 $3.51

9071 Restaurants- Catering

$3.96 $5.35

9072 Fast Food Restaurant- Concessions- Doughnut Shop

$2.35 $4.58

9102 Park or Zoo Employees & Drivers

$3.75 $7.31

9180 Shooting Range- Amusement Park

$2.80 $5.46

9402 Septic Tank Cleaning- Portable Toilets

$6.52 $12.71

9403 Refuse Collection- Garbage- Trash Service

$13.32 $25.97

9519 Electrical Equipment Repair and Service

$4.75 $9.26

9521 Floor Installers- Wood-Carpet-Laminate

$5.18 $10.10

New York workers comp rates vary by industry class codes and insurance company underwriting standards. Employers' who have an Experience Modification Factor (E-MOD) assigned to their company may have additional credits or debits applied to their insurance rates based on prior premiums and workers compensation loss experience. The New York State Fund is called The State Insurance Fund (SIF). Get quotes in NY or find out-of-state insurance coverage for your employees.


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State Resources for New York

New York Compensation Insurance Rating Board

200 East 42nd Street
New York, NY 10017
212-697-3535
NYCIRB

New York State Insurance Department

Rockefeller Empire State Plaza
Agency Building One
Albany, NY 12257
Department of Financial Services

New York State Workers' Compensation Board

20 Park Street
Albany, NY 12207
518-474-6670
NY Workers Compensation Board

New York State Insurance Fund- SIF

1 Watervliet Ave Ext.
Albany, NY 12206
518-437-6400
NYSIF

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New York is not an NCCI as they are under the jurisdiction of NYCIRB. The state has its own State Insurance Fund (SIF) which is a non-profit agency that operates separately from other state workers comp agencies.

The New York State Fund (SIF) is the insurance carrier of last resort in NY and must provide access to legally required workers compensation coverage to all employers in New York. The may only deny coverage if an employer owes a previous balance.

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No Money Down Workmans Comp Workers Comp Payments
$0 Money Down Better Payment Options

We're a national leader in Pay As You Go Workers Compensation. We've developed low price programs to help reduce or eliminate down payments and allow employers to report and pay premium based on their actual wages.

We've negotiated the best deals with many of our insurance companies in order to offer more flexible payment options like 12 equal installment plans and monthly reporting to help improve cash flow for business owners.


Workers Compensation Class Codes
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Tough Class Codes Faster Insurance Quotes

We offer an affordable quote for some of the toughest NCCI class codes and higher experience modifiers because we've partnered with national carriers who specialize in high hazard industries.

Our carriers and underwriters understand that we need to turn wc quotes quickly so our customers can buy coverage when they need it. We often turn quotes in less than 24 hours.

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Learn more about workers compensation insurance in New York Work Comp:  New York | NY Programs| NY Rates | NY Forms | NY Info | NY Quotes
Workers Compensation Agents New York Classification Codes

New York is not an NCCI state and, therefore, there it is not easy to compare for the NY classification codes. The New York Compensation Insurance Rating Board (NYCIRB) does not currently publish a list of manual rates by class code for any of the over 600 classifications for workers compensation in New York.

Let us shop your rates for the very best deal. Give one of our New York workers compensation Specialists a call today at 888-611-7467 for a free, no-obligating quote on workers compensation insurance.

New York Agency License: LA-1179879
National Producer Number: 5064979

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