NY · NYCIRB

Workers comp rates and rules in New York

New York has 531 workers comp class codes with filed rates, a maximum weekly benefit of $1,196 (66.67% of average weekly wage), and a statute of limitations of 2 years. Verified 2026-05-08.

Cheapest code $0.031 Real Estate Clerical
Median rate $0.290 across 50 top codes
Priciest code $0.597 YMCA, YWCA, gym

Class code rate comparison

The top 50 workers comp class codes filed in New York, sorted from cheapest to most expensive per $100 of payroll. Cross-state percentile shows where each code sits versus the same code in other states.

State Occupation Code Rate per $100 vs peers Source
New York Real Estate Clerical 8803 $0.031 59% view
New York Hospice Care - All Other 8871 $0.040 68% view
New York Furniture Salespersons 8723 $0.056 44% view
New York College Other Employees 8820 $0.056 41% view
New York Hospice Care 8855 $0.056 39% view
New York Convalescent or Nursing Homes 8859 $0.058 - view
New York Retail Store - Furniture 8068 $0.073 - view
New York Clerical office 8810 $0.078 45% view
New York Computer Programming Clerical 8813 $0.078 - view
New York Mobile Home Sales 8747 $0.137 - view
New York Architectural Office Clerical 8809 $0.138 - view
New York Boat Livery 7453 $0.146 38% view
New York Vessel Operations NOC 7445 $0.154 25% view
New York Salesperson, outside 8742 $0.158 45% view
New York Telephone/Telegraph Companies 8901 $0.162 95% view
New York Retail Store - Hardware 8069 $0.172 - view
New York Telecom Line Construction 7610 $0.181 27% view
New York Sound Recording 4360 $0.190 53% view
New York Jewelry Stores 8013 $0.194 50% view
New York Health or Exercise Club 9089 $0.197 5% view
New York Consulting Engineers 8601 $0.198 68% view
New York Wallpaper Manufacturing 4282 $0.226 14% view
New York Railroad Shop Employees 7421 $0.230 23% view
New York Nursing Home Staff 8838 $0.244 33% view
New York College, non-faculty 8868 $0.289 68% view
New York Interior Trim Installation 5951 $0.290 57% view
New York Physician, non-surgical 8832 $0.291 86% view
New York Social Service Staff 8840 $0.300 75% view
New York Stevedoring Operations 7431 $0.304 53% view
New York Wood Pattern Manufacturing 3383 $0.326 9% view
New York Barber, beauty parlor, hair stylist 9586 $0.332 73% view
New York Bus Company - School 7364 $0.342 - view
New York Oil & Gas Well Drilling 4825 $0.351 35% view
New York Barber Shop/Hair Salon 9585 $0.355 - view
New York Photographic Supplies Manufacturing 4352 $0.379 10% view
New York Video Production 4361 $0.394 32% view
New York Retail Store - Shoe 8072 $0.407 56% view
New York Grocery Stores 8016 $0.445 - view
New York Hotel Maintenance/Repair 9055 $0.465 - view
New York Drug Manufacturing 4511 $0.478 95% view
New York Clothing Manufacturing, Hand 2503 $0.489 33% view
New York Clothing Manufacturing 2501 $0.500 9% view
New York RV Salespersons 8748 $0.516 86% view
New York Home Health Care - All Other 8869 $0.530 50% view
New York Mirror Manufacturing 4112 $0.546 75% view
New York Retail Store - Jewelry 8090 $0.557 - view
New York Storage Battery Manufacturing 4692 $0.593 82% view
New York College or University 9149 $0.595 - view
New York Retail Clothing Store 8032 $0.596 14% view
New York YMCA, YWCA, gym 9063 $0.597 81% view

Bottom quartile (cheap) Mid Top quartile (expensive) This state

New York coverage rules & benefits

Coverage threshold

All employers with one or more employees must carry workers' compensation insurance.

Max weekly benefit

$1,196 (66.67% of average weekly wage), effective 2024.

TTD weeks

520 weeks of temporary total disability benefits.

PPD weeks

312 weeks of permanent partial disability (whole-body schedule).

Statute of limitations

2 years from injury date to file the claim.

1099 contractor treatment

Individuals classified as 1099 contractors are often deemed employees for workers' compensation purposes unless they meet strict independent contractor criteria.

Owner exclusion

Allowed. Sole proprietor self-coverage: optional. LLC member self-coverage: optional.

State fund

New York State Insurance Fund is the state-administered carrier.

Estimate your premium in New York

Pre-filled to New York. Pick your industry and payroll to see a real premium range from filed rates.

Estimate your workers comp premium

Pick your industry, state, and annual payroll. Range comes from real rate filings.

Estimated annual premium for Manufacturing in New York

$1,130to$108,835

Median: $12,005 · Rate range $0.226 to $21.77 per $100 payroll

Industry median across all states

$7,300

Cheapest states for Manufacturing

  • Utah $0.490
  • Kentucky $0.940
  • Virginia $0.950

Most expensive

  • California $4.74
  • New Jersey $3.56
  • Hawaii $2.94

Estimate based on 24 states of rate-filing data. Actual premium also reflects experience modifier, schedule credits, and carrier underwriting.

Filing & compliance in New York

  1. Step 1, Confirm coverage threshold

    All employers with one or more employees must carry workers' compensation insurance.

  2. Step 2, Determine class code

    Your premium uses the NCCI class code that best matches your operation. The wrong class code can cost 4-10x more or get reclassified at audit.

  3. Step 3, Get a quote (or use the state fund)

    New York State Insurance Fund is one option; private carriers like Travelers, Hartford, and Liberty Mutual also write coverage in New York. Schedule credits up to 25% are typical for low-loss accounts.

  4. Step 4, Track payroll & subcontractors

    A general contractor is liable for workers' compensation benefits to employees of an uninsured subcontractor. Keep certificates of insurance for every sub.

  5. Step 5, Annual audit

    Carriers audit payroll Typically within 90 days of policy expiration, but can extend longer.. Have payroll segregated by class code, job descriptions on file, and overtime properly excluded from rated payroll.

Penalty for non-coverage: Penalties include fines up to $5,000 for every 10-day period of non-compliance, stop-work orders, and potential criminal charges.

New York workers comp FAQs

Who has to carry workers compensation insurance in New York?

All employers with one or more employees must carry workers' compensation insurance.

What is the maximum weekly workers comp benefit in New York?

The current maximum weekly benefit in New York is $1,196 (effective 2024). Benefits are typically 66.67% of the average weekly wage, capped at the state maximum.

How long do I have to file a workers comp claim in New York?

The statute of limitations for filing a workers compensation claim in New York is 2 years from the date of injury. Notice to the employer is typically required within 30 days.

Are 1099 contractors covered by workers comp in New York?

Individuals classified as 1099 contractors are often deemed employees for workers' compensation purposes unless they meet strict independent contractor criteria.

Can business owners exclude themselves from workers comp coverage in New York?

Yes, New York allows business owners (sole proprietors, partners, LLC members, corporate officers) to exclude themselves from coverage by filing the appropriate election form. Sole-proprietor self-coverage is not required; LLC member self-coverage is not required.

What is the penalty for not carrying workers comp in New York?

Penalties include fines up to $5,000 for every 10-day period of non-compliance, stop-work orders, and potential criminal charges.

When does my workers comp carrier audit my payroll in New York?

New York typically requires a payroll audit Typically within 90 days of policy expiration, but can extend longer.. Final premium is reconciled to actual payroll, and class code allocation can shift based on the audit findings. Keep payroll segregated by class code and have job-duty documentation ready.

Am I liable for subcontractors' workers comp in New York?

A general contractor is liable for workers' compensation benefits to employees of an uninsured subcontractor.

Related in New York