NY Workers Comp Rates in October 2026 for Retail & Wholesale

Worker Comp Insurance for retail and wholesale businesses covers a wide range of professions. If your retail store or wholesale outlet has full-time or part-time employees, you are required by New York State law to have workers compensation insurance.

NY Workers Comp Rates for Retailers & Wholesale — Effective October 1, 2026

Code	Description	BASE RATE	NYSIF	Option 1	Option 2	Option 3	__sheet__
4130	Glass merchant	2.34	2.98	2.58	2.86	3.19	Sheet1
8001	Store: florist & drivers	1.08	1.37	1.18	1.31	1.46	Sheet1
8006	Store: coffee, tea or spice-retail	0.86	1.09	0.94	1.04	1.16	Sheet1
8006	Store: dairy products-retail	0.86	1.09	0.94	1.04	1.16	Sheet1
8006	Store: delicatessen-retail	0.86	1.09	0.94	1.04	1.16	Sheet1
8006	Store: frozen or frosted food-retail	0.86	1.09	0.94	1.04	1.16	Sheet1
8006	Store: fruit or vegetable-retail	0.86	1.09	0.94	1.04	1.16	Sheet1
8006	Store: grocery-retail	0.86	1.09	0.94	1.04	1.16	Sheet1
8006	Store: vegetable or fruit-retail	0.86	1.09	0.94	1.04	1.16	Sheet1
8008	Store: sewing accessories-retail	0.45	0.57	0.49	0.54	0.61	Sheet1
8008	Store: shoe-retail	0.45	0.57	0.49	0.54	0.61	Sheet1
8008	Store: dry goods-retail	0.45	0.57	0.49	0.54	0.61	Sheet1
8013	Store: jewelry-retail or wholesale	0.14	0.18	0.15	0.17	0.19	Sheet1
8017	Floor coverings-retail-carpets, rugs, linoleum	0.65	0.83	0.72	0.79	0.89	Sheet1
8017	Bakeries-retail store sales	0.65	0.83	0.72	0.79	0.89	Sheet1
8017	Bakeries-retail store sales	0.65	0.83	0.72	0.79	0.89	Sheet1
8017	Carpet, rug, linoleum store-retail	0.65	0.83	0.72	0.79	0.89	Sheet1
8017	Paint stores- retail	0.65	0.83	0.72	0.79	0.89	Sheet1
8017	Store: drug-retail (MA)	0.65	0.83	0.72	0.79	0.89	Sheet1
8017	Store: retail-NOC	0.65	0.83	0.72	0.79	0.89	Sheet1
8018	Store: drug-wholesale (MA)	2.00	2.54	2.20	2.44	2.72	Sheet1
8018	Store: vegetable or fruit-wholesale	2.00	2.54	2.20	2.44	2.72	Sheet1
8018	Store: grocery-wholesale	2.00	2.54	2.20	2.44	2.72	Sheet1
8018	Paint stores-wholesale	2.00	2.54	2.20	2.44	2.72	Sheet1
8018	Store: fruit or vegetable-wholesale	2.00	2.54	2.20	2.44	2.72	Sheet1
8018	Beer or ale dealer-wholesale (MA)	2.00	2.54	2.20	2.44	2.72	Sheet1
8018	Appliance (minor) store-wholesale-incidental sale of major appliances	2.00	2.54	2.20	2.44	2.72	Sheet1
8018	Carpet, rug, linoleum store-wholesale	2.00	2.54	2.20	2.44	2.72	Sheet1
8018	Floor coverings-wholesale-carpets, rugs, linoleum	2.00	2.54	2.20	2.44	2.72	Sheet1
8018	Packaging-contract	2.00	2.54	2.20	2.44	2.72	Sheet1
8021	Store: fish, meat, or poultry dealer-wholesale	2.45	3.11	2.69	2.99	3.33	Sheet1
8021	Store: meat, fish or poultry dealer-wholesale	2.45	3.11	2.69	2.99	3.33	Sheet1
8031	Cold storage locker-frozen foods	0.85	1.07	0.93	1.03	1.15	Sheet1
8031	Store: fish, meat, or poultry dealer-retail	0.85	1.07	0.93	1.03	1.15	Sheet1
8031	Store: meat, fish or poultry dealer-retail	0.85	1.07	0.93	1.03	1.15	Sheet1
8032	Store: dry goods-wholesale	0.40	0.51	0.44	0.49	0.55	Sheet1
8032	Store: sewing accessories-wholesale	0.40	0.51	0.44	0.49	0.55	Sheet1
8032	Store: shoe-wholesale	0.40	0.51	0.44	0.49	0.55	Sheet1
8033	Store: supermarket	1.72	2.19	1.89	2.10	2.34	Sheet1
8033	Store: meat, grocery and provision (combined)-retail NOC (supermarket type)	1.72	2.19	1.89	2.10	2.34	Sheet1
8034	Store: grocery-wholesale (AZ, MA, MO, OK)	2.75	3.50	3.03	3.36	3.74	Sheet1
8039	Store: department-retail	1.08	1.38	1.19	1.32	1.47	Sheet1
8044	Store: furniture & drivers	1.61	2.04	1.77	1.96	2.19	Sheet1
8044	Store: furniture & drivers	1.61	2.04	1.77	1.96	2.19	Sheet1
8046	Automotive replacement parts distributors-wholesale	1.45	1.84	1.59	1.77	1.97	Sheet1
8046	Store: automobile accessories-retail NOC & drivers	1.45	1.84	1.59	1.77	1.97	Sheet1
8046	Store: automotive replacement parts distributors-wholesale	1.45	1.84	1.59	1.77	1.97	Sheet1
8046	Store: automobile accessories-retail NOC & drivers	1.45	1.84	1.59	1.77	1.97	Sheet1
8047	Store: drug-wholesale	0.94	1.19	1.03	1.14	1.27	Sheet1
8048	Store: fruit or vegetable-wholesale (MA)	1.99	2.53	2.19	2.43	2.71	Sheet1
8105	Store: hide or leather dealer	0.83	1.06	0.91	1.01	1.13	Sheet1
8105	Store: leather or hide dealer	0.83	1.06	0.91	1.01	1.13	Sheet1
8106	Concrete: reinforcing rod or bar dealer and drivers	2.59	3.28	2.84	3.15	3.52	Sheet1
8111	Plumbers’ supplies dealers & drivers	1.56	1.99	1.72	1.91	2.13	Sheet1
8111	Plumbers’ supplies dealers & drivers	1.56	1.99	1.72	1.91	2.13	Sheet1

Workers Comp Insurance: Retail Store & Wholesale Operations

This vital coverage replaces employees' lost wages when they are off work due to on-the-job accidents or illnesses. Workers comp also pays for employee medical bills.

The private workers comp market in New York allows business owners to purchase this coverage from any private insurance agency or company that is licensed to write insurance in the state. Enforce Coverage Group, like other workers compensation insurance agents, competes with the New York State Insurance Fund. This public entity assists employers that cannot find insurance coverage elsewhere.

The NYSIF does accept high-risk businesses, but you should be aware that the NYSIF rates are often much higher than those found with private insurance carriers.

Although your business type, number of employees and past claims affect your workers compensation premiums, you can shop these rates to find the best coverage and pricing to fit your needs.

Enforce Coverage Group specializes in workers comp insurance for retail stores and wholesalers. We can help you find the right policy to protect your employees and business.

View our Sample Retailers & Wholesale NY Workers Compensation Rates to see the savings we've obtained for our clients:

Class Code 2003 Bakeries & Drivers
NYSIF $9.63 Our preferred carrier $7.96

Class Code 8018 Carpet, Rug, Linoleum Store - Wholesale
NYSIF $6.22 Our preferred carrier $5.15

Class Code 8291 Storage Warehouse-Cold
NYSIF $12.75 Our preferred carrier $10.55

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NY Workers Comp Rates for 2026 - Discounts Available For Safe Companies Call 212-947-4298

*Rate above are examples of New York, Connecticut, Pennsylvania and New Jersey Workers Compensation Manual Rates and do not include experience Modifications, discounts surcharges and taxes. Rates available for food businesses and restaurants.