The Bronx is New York's only mainland borough and has one of the fastest-growing construction markets in the city. With major development projects in the South Bronx and ongoing residential renovation throughout the borough, demand for workers' comp coverage for small contractors is extremely high.
New York rates are set by the New York Compensation Insurance Rating Board (NYCIRB) per $100 in payroll.
| Code | Trade | Rate / $100 payroll | Action |
|---|---|---|---|
| 5551 | Roofing | $29.41 | View details |
| 5645 | Framing / Carpentry | $22.18 | View details |
| 5213 | Demolition | $18.50 | View details |
| 5221 | Concrete | $14.22 | View details |
| 5190 | Electrical | $8.74 | View details |
| 5183 | Plumbing | $9.12 | View details |
Fill out our online quote form in 3 minutes. No complicated paperwork.
Our team reviews your application and approves it the same business day.
Receive your certificate of insurance by email. Ready to present at any job site.
We cover contractors across all The Bronx neighborhoods, including:
Zip codes: 10451, 10452, 10453, 10454, 10455, 10456, 10457, 10458 and more
Yes. New York State requires all employers — including contractors with a single employee — to carry active workers' compensation coverage. Penalties for non-compliance can exceed $50,000.
A PEO (Professional Employer Organization) allows you to obtain workers' comp coverage under a master plan. This eliminates year-end audits, reduces rates, and lets you get a same-day certificate of insurance.
Rates vary by trade. Roofing can cost $29 per $100 in payroll, while electrical may be $8.74. With our PEO program, you pay as you go — no large upfront deposits.
Yes. Most qualified applicants receive their certificate of insurance (COI) the same business day. Call us at (239) 228-8029 or complete the online form.
Yes. We cover contractors across all The Bronx neighborhoods, including South Bronx, Fordham, Mott Haven, Hunts Point, and more.
A PEO (Professional Employer Organization) acts as a co-employer of your workers. Instead of buying an individual workers' comp policy — which in New York requires a large deposit and an annual audit — you join the PEO's master plan. This means you pay weekly based on your actual payroll, there's no upfront deposit, and no year-end audit.
For contractors in The Bronx working in high-risk industries like construction, roofing, or demolition, the PEO model is often the only way to get affordable, fast coverage. New York has some of the highest workers' comp rates in the country — roofing can cost over $29 per $100 in payroll. A well-structured PEO program can significantly reduce your effective cost by spreading risk across many employers.
New York's Workers' Compensation Law (§10) requires all employers — including contractors with a single employee — to carry active coverage. Penalties for non-compliance in New York are severe: fines of up to $2,000 for each 10-day period without coverage, plus criminal charges. The New York Workers' Compensation Board (WCB) conducts regular inspections at construction sites across all five boroughs.
Non-compliance fines
Up to $2,000 for each 10-day period without coverage
Criminal charges
Possible criminal charges for operating without coverage
License suspension
NYC Buildings Department can suspend your permits
Personal liability
You may be personally liable for medical expenses