Disclaimer
Last updated: April 2026
Rate Estimate Disclaimer
The rates shown on this site are MODELED BASE RATE ESTIMATES — a national class-code base-rate catalogue scaled by a per-state index. They are not reconciled to the loss costs filed in your state, and our own August 2026 measurement found them typically higher than the filed figure; see the calibration measurement. Your actual workers' compensation premium will vary based on:
- Experience modification rate (EMR)
- Claims history
- Insurance carrier
- Deductible selection
- Payroll size and classification
- State-specific surcharges and assessments
- Other underwriting factors
Not Insurance Advice
The information provided on WorkersCompCost.com is for general informational and educational purposes only. Nothing on this website constitutes insurance advice, professional advice, or a solicitation to purchase insurance. This site is not a substitute for professional consultation with a licensed insurance agent or broker who can evaluate your specific business needs and risk profile.
Data Sources
Two different things on this site have two different provenances, and we do not want them conflated. The regulatory facts we publish — which bureau governs a state, the coverage threshold, the effective date of the filing in force, and Ohio BWC's own filed base rates — are cited to public filings from the bodies below. The per-$100 rate figures are not: they are a modeled benchmark and are not reconciled to those filings, as the calibration measurement sets out. The bodies we cite for the regulatory facts are:
- National Council on Compensation Insurance (NCCI) — applicable in most states
- Workers' Compensation Insurance Rating Bureau of California (WCIRB)
- New York Compensation Insurance Rating Board (NYCIRB)
- Pennsylvania Compensation Rating Bureau (PCRB)
- Ohio Bureau of Workers' Compensation (BWC)
- Other state-specific rating bureaus and regulatory bodies
While we strive to keep rate data current and accurate, we cannot guarantee that all information is up to date at any given time. Rate filings are updated periodically by regulatory bodies, and there may be a delay between official rate changes and updates to our site.
No Guarantees
WorkersCompCost.com makes no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, or suitability of the information contained on this website. Any reliance you place on such information is strictly at your own risk. We are not responsible for any decisions made based on the information provided on this site.
Contact
If you have questions about this disclaimer or the data presented on our site, please contact us at:
WorkersCompCost.com
Email: [email protected]