Workers Comp Class Code 8832 — Medical Office — Doctor, Dentist, ChiropractorNew York
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.
How Have New York Workers Comp Rates Changed Over the Last 5 Years?
Source: NYCIRB loss cost rates. Actual carrier rates may vary.
How Much Does New York Workers Comp Cost for This Class Code?
⚠️ 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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What Jobs Are Covered Under This New York Class Code?
- ▸ Medical assistant
- ▸ Dental hygienist
- ▸ Receptionist
- ▸ Nurse practitioner
- ▸ Chiropractic assistant
What Are the Top Injury Risks for This New York Class Code?
- ⚠ Needlestick injuries — NY's Department of Health requires all healthcare employers to maintain a sharps injury log under the NY Needlestick Prevention Act
- ⚠ Slip and fall in clinical environments, particularly in wet procedure rooms
- ⚠ Back strain from patient handling and repositioning — a leading cause of lost-time claims in NY medical offices
- ⚠ Exposure to infectious disease, including bloodborne pathogens and airborne respiratory illness
- ⚠ Chemical exposure from sterilization agents and dental materials
What Does a Real Workers Comp Claim Look Like for This New York Class?
A Brooklyn dental hygienist suffers a needlestick injury from a contaminated instrument — 6 months of HIV prophylaxis medication, blood testing, psychological counseling, and lost wages resulted in $28,000 in workers comp costs. NY's Needlestick Prevention Act (Public Health Law Section 2807-p) requires healthcare employers to use safety-engineered sharps devices and maintain exposure control plans — violations can result in NYSDOH fines that compound the workers comp exposure.
Why Does a PEO Make Sense for New York Workers Comp in This Class?
Medical and dental offices in NY — from solo practitioner offices in Manhattan to multi-provider community health centers in the Bronx — are required to carry workers comp for all employees, including part-time clinical staff and administrative personnel. The $0.50/100 rate is low, but NY's healthcare-specific regulatory requirements (NYSDOH, OSHA bloodborne pathogen standard, NY Needlestick Prevention Act) create administrative complexity that PEO programs help manage. PEO programs provide workers comp coverage bundled with HR compliance support for healthcare-specific regulations.
NY Rate Context
NY medical office rates at $0.50/100 are among the lowest of all NYCIRB classifications, reflecting the relatively low injury frequency of office-based healthcare work. However, the rate is 19% above the national NCCI average for medical offices, driven by NY's high medical costs and the needlestick injury exposure that NY's Needlestick Prevention Act has brought into focus. NYC's density of healthcare facilities — particularly in the outer boroughs — creates a large workforce of medical office employees who require workers comp coverage.