Workers compensation rate filings in New York (2026)
Every carrier writing workers compensation coverage in New York files its rates and rating rules with the state's insurance regulator — the primary-source records behind every workers compensation quote in New York. This page tracks the 5 active workers compensation filing(s) on record for New York, filed by 1 distinct carrier(s).
Workers compensation rate filings in New York are reviewed by the New York State Department of Financial Services. The governing authority is New York Insurance Law §1101 et seq.. You can confirm any New York carrier or agent is licensed with the state's license-lookup tool. A workers compensation premium in New York is built from each carrier's filed base rates and rating rules applied to your business's exposure — the classification of your operation and the rating basis for this line. Because every carrier files its own rates and loadings, two New York businesses with the same profile can be quoted very different workers compensation premiums, which is exactly why comparing multiple carriers is the only reliable way to see where you land.
Carriers with workers compensation filings on record in New York include New York Compensation Insurance Rating Board (NYCIRB). These are filings on record — New York's public system reports the carrier, line, and effective date but not the rate-change magnitude for every row. Where a base rate is filed, values run from $0.10 to $7.19 on the filed rating basis. The most-recent workers compensation filing we track for New York is effective October 2025. Every row below cites its filing reference so the New York regulator record can be verified.
Recent rate-filing activity — 5 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 |
| WC | NY | per $100 payroll (NY loss cost) | Oct 1, 2025 | NYCIRB-NY-2025-10-0005 |
| WC | NY | per $100 payroll (NY loss cost) | Oct 1, 2025 | NYCIRB-NY-2025-10-8810 |
| WC | NY | per $100 payroll (NY loss cost) | Oct 1, 2025 | NYCIRB-NY-2025-10-5462 |
| WC | NY | per $100 payroll (NY loss cost) | Oct 1, 2025 | NYCIRB-NY-2025-10-7380 |
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.
New York Compensation Insurance Rating Board (NYCIRB) filed NY-DFS-NYCIRB-2025-LC effective October 2025 (active). New York Compensation Insurance Rating Board (NYCIRB) filed NYCIRB-RC-2633 effective October 2025 (active). New York Compensation Insurance Rating Board (NYCIRB) filed NYCIRB-RC-2633 effective October 2025 (active). New York Compensation Insurance Rating Board (NYCIRB) filed NYCIRB-RC-2633 effective October 2025 (active). New York Compensation Insurance Rating Board (NYCIRB) filed NYCIRB-RC-2633 effective October 2025 (active).
Workers' Compensation covers medical bills and lost wages for New York employees injured on the job, and is mandatory in New York once a business has staff.
Across New York, workers compensation carriers earned about $5.3B in premiums at a 45.7% loss ratio and a 14.9% underwriting profit (NAIC 2023). That market-level result comes from the NAIC Report on Profitability by Line by State — a primary-source view of how workers compensation actually performs in New York, beyond any single carrier's filing.
Key takeaways for New York workers compensation
- New York workers compensation rate filings are public, primary-source records — every figure here traces to a filing reference you can verify with the state regulator.
- Your actual New York workers compensation premium depends on your classification, exposure basis, and each carrier's filed rates and loadings — the filings below are the starting point, not a single market price.
- Comparing quotes from multiple carriers is the only way to see how New York workers compensation rates differ for your specific operation.
Get a real New York workers compensation quote
Bureau loss-cost filings are the regulator-approved starting point — carrier premium depends on your class code, payroll, experience modifier, schedule credits/debits, and the carrier's loss-cost multiplier (LCM). Request a free New York quote in under 90 seconds.
Get a free New York quote → See what workers compensation insurance costs →Go deeper on workers compensation
- Workers' comp class codes & loss costs — hub
- Workers compensation loss ratios & profitability by state (NAIC)
- Deep data study: Workers compensation by state
- What workers compensation insurance costs
- All New York rate filings (all lines)
- Rate filings by state — directory
- National Rate Change Tracker
- How insurance rates are set — methodology
Figures summarized here are drawn from public New York Department of Insurance rate filings and, where shown, the NAIC Report on Profitability by Line by State — each traceable to its source. No proprietary rating-manual content is reproduced. See our full sourcing policy.