Workers Comp Class Code 7219 — Trucking — NOC (All Employees & Drivers)New York
Code 7219 (Trucking NOC) covers for-hire long-haul and local trucking operations throughout New York State — freight haulers and drivers hauling goods for others in the NYC metro area and upstate markets. Drivers who operate a business's own vehicles for that business's own deliveries are generally classified as 7380 (Drivers, Chauffeurs and Their Helpers), not 7219.
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?
- ▸ For-hire truck driver
- ▸ Freight hauler
- ▸ Local hauling driver
- ▸ Long-haul driver
- ▸ Owner-operator
What Are the Top Injury Risks for This New York Class Code?
- ⚠ Vehicle accidents — NYC's dense traffic and aggressive driving environment creates significantly higher accident frequency than national averages
- ⚠ Loading and unloading injuries from dock work and manual freight handling
- ⚠ Back strain from repetitive heavy lifting during delivery operations
- ⚠ Fatigue-related accidents on long-haul routes
- ⚠ Slip and fall from truck cab entry and exit
What Does a Real Workers Comp Claim Look Like for This New York Class?
A Bronx delivery driver is rear-ended while stopped at a traffic light on the Cross Bronx Expressway — cervical disc herniation, surgery, and 9 months of lost wages at NY's $1,145/week maximum resulted in $178,000 in workers comp costs. NYC's no-fault auto insurance system interacts with workers comp in complex ways — when a driver is injured in a vehicle accident during work, both systems may apply, and NY's Workers Compensation Board has exclusive jurisdiction over the work injury component.
Why Does a PEO Make Sense for New York Workers Comp in This Class?
Trucking companies in NY — particularly small fleets doing last-mile delivery in NYC, regional freight in the Hudson Valley, or agricultural hauling upstate — face a workers comp market where standard carriers have tightened underwriting significantly due to NYC's high accident frequency. PEO group workers comp programs accept trucking companies with 1–50 drivers, bill monthly on actual payroll, and provide the certificate of insurance needed for DOT compliance and customer contracts within 24 hours.
NY Rate Context
NYCIRB's loss cost for 7219 (Trucking NOC) is $5.329 per $100 of payroll for policies effective on or after October 1, 2026 — down 23.5% from $6.967. Loss costs exclude insurer expenses: each carrier applies its own loss cost multiplier, so the rate you pay will be higher. Trucking claims in NY are driven by NYC traffic density, loading injuries, and NY's wage-replacement benefits.