Workers' Comp Insurance for New York Employers
Workers' compensation rules in New York can cost you thousands if you get the classification, audit, or carrier choice wrong. The Workers' Comp Experts are a licensed broker helping New York employers shop multi-carrier quotes, survive audits, and protect their experience modification rate. We've helped employers across New York's top industries — construction, finance, healthcare, and hospitality — lower premiums and stay compliant.
Workers' Comp Basics for New York Employers
Required for
1+ employees. Coverage is available through any authorized New York carrier via our broker network.
Rating bureau
NYCIRB sets the loss costs and class codes used to calculate your premium.
Last-resort market
NY State Insurance Fund. Typically 20-50% more expensive than the voluntary market.
New York Industries We Cover
We write workers' comp for employers across New York's biggest industries — and specialize in the payroll-swing, classification, and compliance issues each one faces.
- construction
- finance
- healthcare
- hospitality
New York Workers' Comp by Industry
Industry-specific guides with New York rules, class codes, and audit traps:
Frequently Asked Questions
Is workers' compensation required in New York?
New York requires workers' compensation coverage for employers with 1+ employees. Penalties for operating without coverage include fines, stop-work orders, and personal liability for owners if an injury occurs.
Who rates workers' comp policies in New York?
NYCIRB rates policies in New York. Your premium is based on payroll, classification codes, and your experience modification factor (E-Mod).
What is New York's assigned-risk pool?
NY State Insurance Fund is the last-resort market for employers who can't get coverage in the voluntary market. Rates are typically 20-50% higher than the voluntary market, and exiting requires a documented loss-control plan at your next renewal.
Talk to a New York-licensed broker
Get a no-pressure review of your current policy, audit exposure, and class codes. We'll tell you exactly what we'd change and why.
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