Who sets class codes in New York?

New York's own rating bureau, the New York Compensation Insurance Rating Board (NYCIRB). Its own manual; most codes on our pages are in it under NCCI's numbers. An advisor confirms your class codes.

Can I buy from New York State Insurance Fund (NYSIF)?

Yes. New York State Insurance Fund (NYSIF) writes workers' comp in New York, alongside other carriers.

Is Worklio Insurance licensed in New York?

Worklio Insurance Services LLC's producer is licensed in New York, and the agency license there has been applied for.

COVERAGE / WORKERS' COMP / STATES / NEW YORK

WORKERS' COMP · NEW YORK

Workers' comp in New York.

New York requires workers' comp from the first employee. New York's own rating bureau publishes its own manual; most numbers match NCCI's. You buy coverage from carriers, including New York State Insurance Fund (NYSIF).

REQUIRED: From the first employee
RATING BUREAU: NYCIRB
CLASS CODES: Own manual, mostly NCCI numbers
BUY FROM: Carriers, including New York State Insurance Fund (NYSIF)

WHO MUST CARRY IT

Required from the first employee.

The rule

New York requires workers' comp from the first employee.

Source: NYS Workers' Compensation Board, Workers' Compensation Coverage Requirements, checked October 5, 2026.

Coverage rules: NYS Workers' Compensation Board, Workers' Compensation Coverage Requirements, checked October 5, 2026.

CLASS CODES HERE

New York's own rating bureau publishes its own manual; most numbers match NCCI's.

Rating bureau

New York has its own rating bureau, the New York Compensation Insurance Rating Board (NYCIRB).

New York Compensation Insurance Rating Board (NYCIRB)

Class system

Its own manual; most codes on our pages are in it under NCCI's numbers.

Manual: New York Workers' Compensation and Employers' Liability Manual

Codes on our pages

Most codes on our pages are in New York's list; the exceptions are below.

All class codes, by industry

Not in New York's list

Numbered or scoped differently

5551 Roofing: New York lists Roofing NOC as 5545 (roofs sloped 10 degrees or more; built-up roofing 5547).

In New York's list

List: NYCIRB, New York Workers' Compensation and Employers' Liability Manual, Part Three: Loss Costs, effective October 1, 2026, checked October 5, 2026.

ESTIMATE YOUR PREMIUM

Your payroll, your rate, before discounts and assessments.

Your rate comes from carriers that actively write the class.

Payroll in this class

CLASS CODECodes on our pages that are in New York's list. An advisor confirms your class codes.

PREMIUM PAYROLL IN THIS CLASS, PER YEARGross pay for the work in this class. Pre-tax deductions (401(k), Section 125) count. Overtime premium (the extra half) usually does not. Check your state's rules.

EMPLOYEES IN THIS CLASSFor the cost per employee.

PAY FREQUENCY

Your rating

YOUR RATE PER $100 OF PREMIUM PAYROLLFrom your quote or policy. Where loss costs are filed instead of rates, as in Texas, they leave out the carrier's expenses and are lower than your rate.

EXPERIENCE MODCompares your payroll and claims with the average employer in the same class codes. At 1.00 premium is unchanged; below 1.00 it drops, above 1.00 it rises.

SCHEDULE RATING

SCHEDULE CREDIT OR DEBIT, %0 if your quote shows none.

EXPENSE CONSTANT, PER YEARIf your quote shows one.

ESTIMATED ANNUAL PREMIUM · THIS CLASS

Enter your rate

Before discounts and assessments.

Worklio Insurance bills pay-as-you-go comp with each payroll, no deposit; the audit usually confirms what you've already paid.

Not included: premium discount on larger policies, state assessments, terrorism and catastrophe charges, minimum premium.Get a real quote

COMMON QUESTIONS

Do I need workers' comp in New York?: Yes. New York requires workers' comp from the first employee.
Who sets class codes in New York?: New York's own rating bureau, the New York Compensation Insurance Rating Board (NYCIRB). Its own manual; most codes on our pages are in it under NCCI's numbers. An advisor confirms your class codes.
Can I buy from New York State Insurance Fund (NYSIF)?: Yes. New York State Insurance Fund (NYSIF) writes workers' comp in New York, alongside other carriers.
Is Worklio Insurance licensed in New York?: Worklio Insurance Services LLC's producer is licensed in New York, and the agency license there has been applied for. See insurance licenses

SOURCES

NYS Workers' Compensation Board, Workers' Compensation Coverage RequirementsWho must carry it, coverage rules, checked October 5, 2026.
NYCIRB Digital Library, New York Workers' Compensation and Employers' Liability ManualRating bureau, class system, checked October 5, 2026.
NYCIRB, New York Workers' Compensation and Employers' Liability Manual, Part Three: Loss Costs, effective October 1, 2026Class codes, checked October 5, 2026.

Figures as of October 5, 2026.

For planning, not a quote or a classification ruling. An advisor confirms your class codes with your carrier.

MORE ON WORKERS' COMP

ALL STATESWorkers' comp by stateWho must carry it, who sets class codes and where to buy, in each state.ALL CLASS CODESEvery code, by industryOffice, sales and the codes for each industry we serve.COVERAGEWorkers' compPay-as-you-go premiums billed with each payroll WORKLIO HCMPayroll taxes in New YorkEmployer payroll tax rates, on Worklio HCM.

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