🗽 New York State — NYCIRB Regulated
New York Workers CompClass Codes & Rates
New York uses NYCIRB (New York Compensation Insurance Rating Board) to set workers comp rates. Find your class code, calculate your premium, and get a PEO quote in minutes.
New York Workers Comp — Key Facts
NYCIRB
Rating Bureau
New York uses NYCIRB (not NCCI) to set loss cost rates. All carriers use NYCIRB rates as a base, then apply their own multipliers.
$0.28–$38+
Rate Range per $100
NY rates range from $0.28 for clerical workers to $38+ for the most hazardous construction trades like ironworkers.
PEO
Best Option for Hard-to-Place
NY construction and high-risk trades often can't get standard coverage. PEO group programs are frequently the only viable option.
NY Class Codes by Industry
Click any class code to see the full rate breakdown, cost calculator, and PEO quote.
🏗️Construction18
🚛Transportation1
🏥Healthcare1
🧹Cleaning0
🌿Landscaping1
📋Other5
CONSTRUCTIONNY Construction Class Codes
Code 5022$18.94
Masonry Construction
Brick, block, and stone work — laying masonry units for walls, foundations, and structural elements on residential and commercial projects across New York.
per $100 payroll →
Code 5102$14.86
Metal Building Construction
Erection of steel and metal frame buildings, including structural steel work and metal building assembly on commercial and industrial projects in New York.
per $100 payroll →
Code 5183$6.95
Plumbing Contractors
Installation and repair of water supply, drainage, and gas piping systems in residential and commercial buildings throughout New York State.
per $100 payroll →
Code 5190$4.9
Electrical Work — Electrician
Installation, maintenance, and repair of electrical wiring, fixtures, panels, and equipment in residential and commercial buildings across New York State.
per $100 payroll →
Code 5221$16.53
Concrete Construction — Flat Work
Pouring, finishing, and curing concrete for floors, sidewalks, driveways, and structural slabs on residential and commercial projects in New York.
per $100 payroll →
Code 5348$10.2
Ceramic, Tile and Stone Work
Installation of ceramic tile, natural stone, marble, and similar materials on floors, walls, and countertops in residential and commercial spaces across New York.
per $100 payroll →
Code 5474$9.74
Painting Contractor
Interior and exterior painting of buildings, including surface preparation, spraying, and brush/roller application on residential and commercial projects in New York.
per $100 payroll →
Code 5645$9.02
Residential Construction — Home Builders & Remodelers
Construction, renovation, and remodeling of single-family and multi-family residential buildings across New York State.
per $100 payroll →
Code 5403$7.09
Carpentry — Construction
Rough and finish carpentry work on construction projects, including framing, sheathing, and structural wood work on commercial and residential projects in New York.
per $100 payroll →
Code 5506$9.98
Street or Road Paving
Paving and repaving of streets, roads, parking lots, and other paved surfaces using asphalt or concrete across New York State.
per $100 payroll →
Code 5479$4.46
Insulation Work
Installation of thermal, acoustic, and fire insulation in buildings, including spray foam, fiberglass batts, and rigid board insulation on residential and commercial projects in New York.
per $100 payroll →
Code 5462$6.59
Glazier — Glass Installation
Installation of glass in windows, doors, storefronts, curtain walls, and other building openings on residential and commercial projects in New York.
per $100 payroll →
Code 5536$6.69
HVAC — Heating, Ventilation & Air Conditioning
Installation, maintenance, and repair of heating, ventilation, and air conditioning systems in residential and commercial buildings across New York State.
per $100 payroll →
Code 5538$6.69
Sheet Metal Work
Fabrication and installation of sheet metal products including ductwork, roofing, gutters, and architectural metalwork on commercial and residential projects in New York.
per $100 payroll →
Code 5551$19.56
Roofing Contractors
Installation, repair, and replacement of roofing systems including shingles, flat roofing, metal roofing, and waterproofing on residential and commercial buildings in New York.
per $100 payroll →
Code 5429$5.1
Cabinet Work Installation
Installation of kitchen cabinets, bathroom vanities, built-in furniture, and custom millwork in residential and commercial spaces across New York.
per $100 payroll →
Code 1860$28.14
Demolition — Buildings & Structures
Covers workers who tear down buildings, structures, or parts of structures across New York State. Demolition is one of the most hazardous construction trades — workers face falling debris, hazardous materials (asbestos, lead), and structural collapse. NY rates reflect the state's high medical costs and strict workers comp benefits.
per $100 payroll →
Code 5445$9.02
Drywall Contractors
Installation of drywall, gypsum board, and plaster systems on walls and ceilings in residential and commercial buildings across New York State. Includes taping, mudding, and finishing work.
per $100 payroll →
OTHER INDUSTRIESNY Non-Construction Class Codes
Code 7219$9.75
Trucking — All Types
Long-haul and local trucking operations throughout New York State, including delivery drivers, freight haulers, and owner-operators serving the NYC metro area and upstate markets.
Transportation · per $100 payroll →
Code 8810$0.15
Clerical Office Employees
Office workers who perform administrative, data entry, accounting, and other desk-based tasks in New York businesses — from Manhattan financial firms to upstate insurance agencies.
Office · per $100 payroll →
Code 8742$4.94
Sales Professional — Outside Sales
Outside sales representatives who travel to client locations throughout New York State to sell products or services — from Manhattan B2B sales reps to upstate territory managers covering multiple counties.
Sales · per $100 payroll →
Code 9102$3.39
Lawn Service & Landscaping
Lawn mowing, landscaping, tree trimming, and grounds maintenance services across New York State — from NYC's parks and commercial properties to suburban residential accounts in Nassau, Suffolk, and Westchester Counties.
Landscaping · per $100 payroll →
Code 8832$0.5
Medical Office — Doctor, Dentist, Chiropractor
Healthcare professionals and staff working in medical, dental, and chiropractic offices across New York State — from Manhattan specialist practices to community health centers in the Bronx and Brooklyn.
Healthcare · per $100 payroll →
Code 9052$4.16
Hotels and Motels
Hotel and motel operations across New York State — from NYC's major hotel properties in Midtown Manhattan to boutique hotels in the Catskills and budget motels along the NY Thruway corridor.
Hospitality · per $100 payroll →
Code 8006$1.84
Gas Stations & Convenience Stores
Gas station and convenience store operations across New York State — from NYC's urban service stations to highway convenience stores along the NY Thruway and suburban gas stations in Nassau and Suffolk Counties.
Retail · per $100 payroll →
Code 8017$4.45
Retail Stores — General Merchandise
Retail store operations selling general merchandise, clothing, electronics, and other consumer goods across New York State — from Manhattan boutiques and department stores to big-box retailers in suburban NY.
Retail · per $100 payroll →
How NY Workers Comp Compares
| Feature | New York | Florida | California |
|---|---|---|---|
| Rating Bureau | NYCIRB | NCCI | WCIRB |
| Roofing Rate (5552) | $38.18/100 | $34.72/100 | $23.06/100 |
| Carpentry Rate (5403) | $28.04/100 | $19.74/100 | $15.64/100 |
| Clerical Rate (8810) | $0.28/100 | $0.18/100 | $0.28/100 |
| PEO Market | Strong | Very Strong | Strong |
| Hard-to-Place | Very Common | Common | Common |
Need NY Workers Comp Fast?
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