New York commercial insurance rate filings (2026)
Every commercial-insurance carrier writing business in New York must file their loss costs + rating values with the New York Department of Insurance. Those filings are primary-source, government-held records — the actual numerical inputs that drive every commercial quote in the state. Below: every recent active rate filing affecting New York commercial operations, with the SERFF tracking number linking to the public regulator record.
New York's primary workers' comp rate bureau
NYCIRB — the New York Compensation Insurance Rating Board is an independent rating organization, not NCCI. NYCIRB files annual loss costs licensed by the New York DFS.
Recent rate-filing activity — 1 state filings across 1 commercial line
Commercial carriers can't charge whatever they want — each state's Department of Insurance must approve loss-cost filings before they take effect. These are primary-source, government-held records available on SERFF Filing Access. Cited below: the most-recent active filings affecting commercial operations, with the real SERFF tracking number for each.
| Line | State | Overall change | Effective | SERFF tracking |
|---|---|---|---|---|
| WC | NY | -4.4% overall loss cost decrease vs prior period | Oct 1, 2025 | NYCIRB-NY-2025-10-1-LC |
Source: SERFF Filing Access (filingaccess.serff.com) — the official public-records interface for state Department of Insurance filings. Loss-cost changes shown are the overall bureau-wide change in each state; the actual impact on your quote depends on your class code, payroll, experience modifier, and carrier-specific loss-cost multiplier (LCM). Get a quote for your exact numbers.
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Bureau-filed loss-cost changes are the regulator-approved starting point — actual premium depends on your class code, payroll, experience modifier, schedule credits/debits, and the carrier's LCM. Request a free New York quote in under 90 seconds.
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