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.

Source: NYCIRB loss cost rates. Actual carrier rates may vary.
⚠️ Pre-Underwriting Estimate: This is a preliminary estimate only. Final premium can change based on underwriting results, loss history, OSHA records, and carrier approval.
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A Manhattan administrative assistant develops bilateral carpal tunnel syndrome after 8 years of data entry — bilateral release surgery, physical therapy, and 3 months of lost wages at NY's $1,145/week maximum resulted in $42,000 in workers comp costs. NY's Workers Compensation Board recognizes repetitive stress injuries as compensable occupational diseases under Section 47, meaning claims can be filed years after the injurious work activity — a long-tail exposure for employers with large clerical workforces.
NY employers with clerical staff — from small accounting firms in Midtown to insurance agencies in Albany — are required by NY Workers Compensation Law to carry workers comp for all employees, including part-time and remote workers. The $0.15/100 rate makes clerical coverage inexpensive, but the administrative burden of maintaining a separate policy for a small clerical staff is often disproportionate to the cost. PEO programs bundle clerical workers comp with payroll processing and HR administration, reducing the overhead for small NY businesses.
NY clerical rates at $0.15/100 are among the lowest of all NYCIRB classifications, reflecting the minimal physical risk of office work. However, NY's Workers Compensation Law is broader than most states — it covers remote workers, part-time employees, and even some independent contractors who meet the statutory employee test. NY employers must carry workers comp for all covered employees regardless of hours worked, making PEO programs an efficient way to manage compliance for businesses with mixed clerical and field workforces.