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Workers’ comp insurance cost for home-health agencies in New York
Published 2026-06-11 · by Brokly
- 27% of NY home-health agencies have <5 employees — the chart below prices every size band from its own observed payroll.
- New York sits 5th of 51: HI pays more ($4.58), MT less ($2.42).
- Workers’ comp is one of several coverages — see everything your home-health agency needs in New York →
What do New York home-health agencies pay for workers’ comp?
Modeled annual premium across the real size distribution of NY home-health agencies
bar height = how many home-health agencies are that size · figures = modeled annual cost
Cohort: size distribution of 1,360 NY home-health agencies (Census CBP 2023); premiums modeled from one filed rate ($2.83/$100 payroll, 2024). Bands shown cover 1,087 of 1,360 establishments (79.9%) — 273 establishments in larger, very small-count, or data-suppressed size bands are not shown. 2023 payroll dollars, not inflation-adjusted. Illustrative benchmark — not a quote or coverage recommendation.
Sources: Oregon DCBS workers' compensation premium rate ranking study, June 2025 (calendar-year 2024 rates) (as of calendar year 2024, retrieved 2026-06-04) · US Census County Business Patterns 2023, state file (Home health care services (NAICS 621610)) (as of 2023, retrieved 2026-06-05)
How does New York compare to nearby ranks?
Calculated manual rates, $ per $100 payroll, NCCI class 8835 (Home Healthcare), 2024. See all 51 jurisdictions →
| Rank | State | Rate / $100 payroll |
|---|---|---|
| 1 | Hawaii | $4.58 |
| 2 | New Jersey | $4.30 |
| 3 | California | $3.34 |
| 4 | Vermont | $3.05 |
| 5 | New York | $2.83 |
| 6 | Rhode Island | $2.71 |
| 7 | Maine | $2.58 |
| 8 | Oklahoma | $2.53 |
| 9 | Delaware | $2.48 |
Sources: Oregon DCBS workers' compensation premium rate ranking study, June 2025 (calendar-year 2024 rates) (as of calendar year 2024, retrieved 2026-06-04)
Frequently asked questions
What does workers' comp cost home-health agencies in New York?
Modeled from the 2024 filed manual rate of $2.83 per $100 of payroll: a <5-employee home-health agency lands around $2k–$7.9k per year before experience mods and schedule credits.
What drives the rate up or down?
Three levers: payroll (the exposure base), claims history (the experience modifier), and schedule credits/debits the insurer applies. Home-health work is NCCI class 8835 (Home Healthcare) — nurses, aides, and other staff delivering care in patients' homes; office-based healthcare classes like 8832 (Physician & Clerical) are rated separately.
Home-health agencies in nearby-ranked states: California ($3.34) · New Jersey ($4.30) · Oklahoma ($2.53) · Georgia ($2.27)
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Illustrative benchmark — not a quote or coverage recommendation. Figures are modeled from public filings and Census data for 1,360 New York home-health agencies; your premium depends on your payroll, claims history, and carrier.