Workers' Compensation Rates in Massachusetts (2026)
Last verified: 2026-07-22 · Reviewed against NCCI and state rating-bureau filings — how we verify
State Overview
WC Requirement
Mandatory
Minimum Employees
1
Effective Date
2024-07-01
Still the rates in force — Massachusetts is an administered-rate state and no revision has taken effect since. The Division of Insurance rejected WCRIBMA's 7.1% increase on May 15, 2025, and WCRIBMA has made no rate filing for 2026, so the July 1, 2024 manual rates remain the ones in force.
Massachusetts has its own independent rating bureau (WCRIBMA) and uses administered (fixed) rates rather than loss costs, so rates change only when a general revision is approved. The current rates took effect July 1, 2024, when the Commissioner ordered a 14.6% decrease; the Division of Insurance then rejected WCRIBMA's proposed 7.1% increase for July 1, 2025 (Docket R2024-01), leaving those rates unchanged. On July 7, 2026 the Supreme Judicial Court remanded the 2024 and 2025 decisions for a fuller explanation of the 14.6% cut, so the figures here may be revised. The state has relatively high workers' comp costs due to generous benefits.
Average Rate (All Class Codes)
$6.25
per $100 of payroll
Least Expensive Class Codes
- 8815 — Bank - All Employees$0.18
- 8865 — Court Reporter$0.18
- 8801 — Credit Union - All Employees$0.18
Most Expensive Class Codes
- 5551 — Roofing - All Employees$29.50
- 5040 — Iron/Steel Erection - Frame$28.91
- 5606 — Roofing Contractor$26.55
Understanding Massachusetts Workers' Comp Rates
Massachusetts runs its own workers' comp rating system outside NCCI. The Workers' Compensation Rating and Inspection Bureau of Massachusetts (WCRIBMA) is the state's licensed rating organization, and Massachusetts is an administered-rate state: WCRIBMA files a single set of manual rates that, once approved by the Commissioner of the Division of Insurance, apply uniformly to all insurers, rather than each carrier filing its own. Insurers can compete through dividend plans, scheduled credits, and the Massachusetts deductible programs, but the base manual rate per class code is the same across carriers — a structurally different model from competitive states like Texas.
Rate changes in Massachusetts are decided through a contested filing before the Division of Insurance, and the Commissioner can reject the bureau's request. On May 15, 2025, Commissioner Michael Caljouw rejected WCRIBMA's proposed 7.1% average increase and held rates flat, a decision the Division estimated would save Massachusetts employers roughly $80 million over the following year. The State Rating Bureau and the Attorney General's Office had argued the bureau leaned too heavily on two years of pandemic-era loss data instead of a longer five-year window. WCRIBMA has since made no rate filing for 2026, so the manual rates that took effect July 1, 2024 are still the ones in force — which is why the filing date on this page is more than two years old rather than out of date. On July 7, 2026 the Supreme Judicial Court remanded the 2024 and 2025 rate decisions, holding that the Commissioner had not adequately explained the 14.6% decrease ordered for 2024 when WCRIBMA had proposed 7.6%; that remand could change the approved rates, so employers should confirm the current manual rate for their class code with their carrier or WCRIBMA. The figures on this page are filing-based benchmarks, not binding quotes.
Administered Rates: What It Means for Shoppers
In an administered-rate state, the manual rate attached to each class code is set by the approved WCRIBMA filing and is identical no matter which licensed carrier you buy from. That removes base-rate shopping, but it does not remove price differences entirely: Massachusetts insurers compete on dividend plans, schedule rating credits and debits, the all-risk and other deductible programs, and underwriting appetite for particular industries. Your experience modification factor — also calculated by WCRIBMA — still multiplies the manual rate, so loss history remains the biggest lever on a Massachusetts premium.
Because rates are uniform, the most productive Massachusetts shopping questions are about classification accuracy and credits, not the headline rate. Confirm that each employee is assigned to the correct WCRIBMA class code, that clerical and outside-sales standard exceptions are applied where they qualify, and ask each carrier what dividend or schedule credit it can offer for your loss experience and safety program.
Who Must Carry Coverage in Massachusetts
Massachusetts has one of the broadest coverage mandates in the country. Under M.G.L. c. 152, virtually every employer must carry workers' compensation for its employees, including part-time workers, with only narrow exceptions — most notably domestic servants working fewer than 16 hours per week. There is no small-employer headcount threshold the way NCCI states like Georgia (three employees) or Alabama (five) use; a single covered employee generally triggers the requirement. Corporate officers of Massachusetts corporations are generally covered employees, though they may elect to exclude themselves under specific conditions.
The Department of Industrial Accidents (DIA) administers the benefit system and enforces coverage, and the Division of Insurance regulates the rates. Failing to carry required coverage exposes a Massachusetts employer to stop-work orders and penalties from the DIA, in addition to liability for an injured worker's benefits. As with rates, classification and corporate-officer election questions should be confirmed with WCRIBMA or the carrier rather than assumed from another state's rules.
Sources
- Mass.gov — Workers' Compensation Insurance Rates and Codes (Division of Insurance / WCRIBMA) (retrieved 2026-06-01)
- WCRIBMA — Massachusetts Workers' Compensation Rate Filing (retrieved 2026-06-01)
- Agency Checklists — Commissioner rejects WCRIBMA 7.1% increase, holds rates flat (May 19, 2025) (retrieved 2026-06-01)
- Massachusetts Supreme Judicial Court — WCRIBMA v. Commissioner of Insurance, decided July 7, 2026 (2024 and 2025 rate decisions remanded) (retrieved 2026-07-22)
All Class Codes & Rates in Massachusetts
| Code | Phraseology | Hazard Group | Rate per $100 |
|---|---|---|---|
| 8823 | Accountant - CPA | A | $0.21 |
| 8862 | Advertising Agency | A | $0.26 |
| 7403 | Aircraft Operation - NOC | E | $10.92 |
| 7605 | Alarm Installation or Repair | D | $5.61 |
| 5047 | Aluminum Installation | E | $9.15 |
| 8836 | Ambulance Service - All Employees | C | $6.49 |
| 7398 | Ambulette/Medical Transport | D | $6.49 |
| 9067 | Amusement Park - Mechanical Rides | D | $6.19 |
| 9016 | Amusement Park or Exhibition Operation & Drivers | D | $4.84 |
| 7520 | Amusement Ride Operation | D | $6.78 |
| 8831 | Animal Hospital - Veterinary | C | $2.66 |
| 8861 | Architect or Engineer - Consulting | B | $0.47 |
| 5473 | Asphalt Paving | F | $12.10 |
| 9625 | Assisted Living Facility | D | $5.31 |
| 9182 | Athletic Teams - Amateur | E | $8.56 |
| 9180 | Athletic Teams - Professional | F | $14.75 |
| 8820 | Attorney - All Employees & Clerical | A | $0.24 |
| 8803 | Auditing, Accounting or Management Consulting | A | $0.24 |
| 8046 | Auto Accessories Store | B | $1.48 |
| 5188 | Automatic Sprinkler Installation | E | $9.26 |
| 8393 | Automobile Body Repair & Drivers | C | $8.56 |
| 8748 | Automobile Dealer - All Employees | D | $4.43 |
| 3821 | Automobile Recycling & Drivers | D | $8.02 |
| 8380 | Automobile Service or Repair Center & Drivers | D | $5.31 |
| 7225 | Automobile Towing & Drivers | E | $10.03 |
| 7422 | Aviation - Ground Crew | E | $8.56 |
| 2003 | Bakery | C | $4.13 |
| 3724 | Bakery - Manufacturing | D | $5.01 |
| 8815 | Bank - All Employees | A | $0.18 |
| 8855 | Banks and Trust Companies - All Employees | A | $0.20 |
| 9586 | Barber Shop or Beauty Parlor | C | $1.77 |
| 7337 | Boat Building - Metal | F | $11.51 |
| 7335 | Boat Building - Wood | E | $8.85 |
| 3027 | Boiler Manufacturing | E | $9.15 |
| 8072 | Book Store | A | $0.59 |
| 2157 | Bottling | C | $3.84 |
| 9071 | Bowling Alley - All Employees | C | $2.89 |
| 9070 | Bowling Center - All | C | $2.95 |
| 2065 | Brewery | C | $3.84 |
| 9650 | Building Inspection | C | $2.66 |
| 8232 | Building Material Yard & Drivers | E | $6.78 |
| 8058 | Building Materials Dealer | D | $6.19 |
| 9015 | Building Operation - All Other Employees | C | $3.66 |
| 9012 | Building or Property Management - Property Managers and Leasing Agents & Clerical, Salespersons | B | $0.89 |
| 8385 | Bus Co - Garage Employees | E | $9.56 |
| 7382 | Bus Company - All Employees | D | $8.85 |
| 8850 | Bus/Taxi - Dispatching | A | $0.53 |
| 5148 | Cabinet Manufacturing & Install | D | $7.08 |
| 2812 | Cabinet/Wood Products Manufacturing | D | $7.38 |
| 9055 | Camps - Day/Overnight | C | $3.84 |
| 2095 | Candy Manufacturing | C | $3.54 |
| 2111 | Cannery | D | $6.19 |
| 9602 | Car Wash | C | $2.95 |
| 5645 | Carpentry - Detached One or Two Family Dwellings | F | $14.75 |
| 5432 | Carpentry - Detached One/Two Family | E | $10.92 |
| 5436 | Carpentry - Finish Detached | D | $7.67 |
| 5404 | Carpentry - Install Cabinets | D | $8.26 |
| 5437 | Carpentry - Installation of Cabinet Work or Interior Trim | F | $16.81 |
| 2802 | Carpentry - Shop Only | D | $6.49 |
| 5403 | Carpentry NOC | G | $13.27 |
| 9536 | Carpet Cleaning | C | $3.54 |
| 9519 | Catering NOC | C | $4.13 |
| 5020 | Ceiling Installation | E | $10.03 |
| 9610 | Cemetery - All | D | $4.13 |
| 5348 | Ceramic Tile, Indoor Stone, Marble, or Mosaic Work | E | $6.49 |
| 2131 | Cereal Manufacturing | C | $3.42 |
| 7405 | Charter Aircraft | F | $15.05 |
| 8826 | Chiropractic Office | B | $1.06 |
| 8812 | Clerical - Drafting Employees | A | $0.26 |
| 8810 | Clerical Office Employees | A | $0.30 |
| 8871 | Clerical Telecommuter Employees | B | $0.35 |
| 2501 | Clothing Manufacturing | B | $2.66 |
| 8008 | Clothing or Wearing Apparel Store - Retail | C | $2.18 |
| 9061 | Club NOC - All Employees | C | $3.30 |
| 8844 | Collection Agency | A | $0.26 |
| 8868 | College or University - Professional Employees | B | $0.53 |
| 7380 | Commercial Drivers | D | $10.03 |
| 8859 | Computer Programming or Software Development | A | $0.21 |
| 5201 | Concrete Block Manufacturing | E | $9.44 |
| 5213 | Concrete Construction NOC | F | $11.51 |
| 5214 | Concrete NOC - Poured | F | $12.10 |
| 5221 | Concrete or Cement Work - Floors, Driveways, Yards | F | $10.50 |
| 5070 | Concrete Products Manufacturing | E | $7.67 |
| 5215 | Concrete Work | F | $13.57 |
| 5222 | Concrete/Cement - Floors | E | $9.74 |
| 8227 | Construction Material - Used | D | $6.78 |
| 8019 | Convenience Store | C | $2.66 |
| 7715 | Corrections Officers | G | $10.92 |
| 9558 | Courier/Document Delivery | C | $3.84 |
| 7719 | Court Employees | B | $1.48 |
| 8865 | Court Reporter | A | $0.18 |
| 2070 | Creamery/Dairy Products | C | $4.43 |
| 8801 | Credit Union - All Employees | A | $0.18 |
| 8805 | Credit Union/Savings | A | $0.18 |
| 9059 | Day Spa | B | $1.77 |
| 8854 | Daycare Center | C | $2.95 |
| 8822 | Dental Laboratory | B | $0.89 |
| 8824 | Dental Office - All Employees | B | $0.65 |
| 8039 | Department Store - Retail | C | $2.36 |
| 2102 | Distillery | C | $3.66 |
| 5108 | Door/Window Installation | D | $7.38 |
| 5152 | Drilling NOC | F | $15.93 |
| 8047 | Drug Store | B | $1.12 |
| 2688 | Dry Cleaning | C | $3.84 |
| 8866 | Election Campaign | B | $1.00 |
| 7539 | Electric Light/Power Companies | F | $12.39 |
| 3082 | Electrical Apparatus Manufacturing | D | $5.31 |
| 5140 | Electrical Installation - Interior | D | $6.19 |
| 5193 | Electrical Wiring - Alarm | D | $6.49 |
| 5190 | Electrical Wiring - Within Buildings | E | $7.38 |
| 9653 | Elevator Inspection | C | $2.36 |
| 5160 | Elevator Installation | F | $12.39 |
| 5162 | Elevator Service/Maintenance | E | $9.74 |
| 8858 | Employment Agency | A | $0.24 |
| 7711 | EMT/Paramedics | F | $8.85 |
| 6217 | Excavation NOC | F | $12.74 |
| 8809 | Executive Officers NOC - Not Foremen, Workers or Salespersons | A | $0.24 |
| 0035 | Farm - Dairy | E | $10.33 |
| 0005 | Farm - Field Crops | E | $11.21 |
| 0016 | Farm - Livestock | F | $12.10 |
| 0050 | Farm - Orchard or Grove | E | $9.20 |
| 8116 | Farm Machinery Dealer - All Operations & Drivers | C | $3.84 |
| 8841 | Financial Advisor | A | $0.20 |
| 7710 | Firefighters and Drivers | D | $7.67 |
| 2161 | Fish Processing | E | $7.67 |
| 8032 | Florist - Retail | B | $1.36 |
| 2130 | Flour Milling | D | $5.01 |
| 7350 | Freight Handling | E | $8.56 |
| 2143 | Fruit Processing | D | $4.72 |
| 9620 | Funeral Directors - All Employees | C | $2.07 |
| 2883 | Furniture Manufacturing | D | $6.49 |
| 8293 | Furniture Moving & Storage, Drivers | E | $5.61 |
| 5146 | Furniture or Fixtures Installation - Portable NOC | D | $7.97 |
| 8044 | Furniture Store - Wholesale or Retail & Drivers | C | $3.24 |
| 7590 | Garbage/Ash Collection | F | $11.51 |
| 2913 | Glass Manufacturing | E | $8.85 |
| 2915 | Glass Merchant | D | $6.19 |
| 5462 | Glazier | E | $10.03 |
| 9056 | Golf Club | C | $2.95 |
| 8811 | Government Clerical | A | $0.26 |
| 8304 | Grain Elevator | E | $8.26 |
| 2041 | Grain Milling | D | $5.31 |
| 8006 | Grocery Store - Retail | C | $2.95 |
| 9585 | Hair Salon | B | $1.48 |
| 8010 | Hardware Store - Wholesale or Retail | C | $3.07 |
| 5137 | Heating Equipment Installation | D | $6.78 |
| 5185 | Heating System Installation | D | $6.49 |
| 5537 | Heating, Ventilation, Air Conditioning and Refrigeration | E | $6.78 |
| 8851 | Home for Aged - All | D | $6.19 |
| 8835 | Home Health Care Services | C | $4.90 |
| 9040 | Hospital - All Other Employees | B | $6.49 |
| 8833 | Hospital - Professional Employees | C | $3.36 |
| 9058 | Hotel - Restaurant Employees | C | $4.13 |
| 9052 | Hotel NOC - All Other Employees & Drivers | C | $4.31 |
| 9529 | House Cleaning | C | $3.84 |
| 9033 | Housing Authority | B | $1.77 |
| 2039 | Ice Cream Manufacturing | C | $4.13 |
| 8215 | Ice Dealer | C | $3.54 |
| 8203 | Ice Manufacturing | D | $5.31 |
| 5479 | Insulation Work | E | $8.85 |
| 8845 | Investigator/Detective | C | $2.66 |
| 8840 | Investment Company | A | $0.18 |
| 5038 | Iron Doors/Gates Installation | F | $17.11 |
| 5057 | Iron or Steel Erection - NOC | G | $20.36 |
| 5102 | Iron or Steel Erection - Structural | G | $21.83 |
| 5069 | Iron/Steel - NOC | G | $24.78 |
| 5059 | Iron/Steel - Ornamental | F | $14.46 |
| 5040 | Iron/Steel Erection - Frame | G | $28.91 |
| 8106 | Iron/Steel Merchant | D | $6.49 |
| 6229 | Irrigation Works - All Operations | E | $7.67 |
| 9014 | Janitorial Services - By Contractor | C | $5.01 |
| 8013 | Jewelry Store | B | $1.00 |
| 8263 | Junk Dealer | D | $6.49 |
| 0917 | Landscape Gardening - NOC | D | $6.19 |
| 5443 | Lathing | E | $10.33 |
| 2660 | Laundry NOC | C | $4.13 |
| 2586 | Leather Goods Manufacturing | C | $3.54 |
| 9034 | Library - All Employees | A | $0.77 |
| 7716 | Lifeguards | D | $4.43 |
| 7317 | Longshore Workers | G | $22.42 |
| 8061 | Lumber Dealer | D | $6.78 |
| 3632 | Machine Shop NOC | D | $5.61 |
| 3030 | Machinery Manufacturing | D | $6.49 |
| 3685 | Machinist NOC | D | $6.02 |
| 7327 | Marine Transportation | F | $14.75 |
| 5029 | Masonry - Decorative | E | $11.21 |
| 5027 | Masonry - Fireproof | F | $12.98 |
| 5028 | Masonry - Stone | F | $15.05 |
| 5022 | Masonry NOC | F | $12.39 |
| 8031 | Meat Market - Retail | C | $3.24 |
| 2001 | Meat Packing | F | $10.33 |
| 8033 | Meat, Fish or Poultry Dealer - Retail | C | $3.84 |
| 8021 | Meat, Fish or Poultry Dealer - Wholesale | C | $2.95 |
| 8838 | Medical Lab | B | $0.89 |
| 7360 | Messenger Service | C | $4.13 |
| 3581 | Metal Stamping - NOC | E | $7.26 |
| 9410 | Municipal, Township, County or State Employees - NOC | C | $4.13 |
| 9587 | Nail Salon | B | $1.18 |
| 8860 | Newspaper - Delivery | C | $4.43 |
| 8869 | Newspaper or Magazine Publishing - All Employees | B | $0.41 |
| 8807 | Newspaper Publishing | B | $1.00 |
| 0042 | Nursery Employees | E | $7.38 |
| 9046 | Nursing - Home/Visiting | D | $6.78 |
| 9049 | Nursing Home - All | D | $6.49 |
| 8829 | Nursing Home - All Employees | C | $6.19 |
| 5191 | Office Machine Installation, Inspection, Adjustment, or Repair | E | $5.01 |
| 8825 | Optometry Office | A | $0.47 |
| 8742 | Outside Sales Personnel | B | $0.65 |
| 8055 | Packaging - Contract - Retail Size Packages | C | $2.95 |
| 8037 | Paint Store | B | $1.18 |
| 5474 | Painting NOC & Shop Operations, Drivers | E | $8.85 |
| 7721 | Park Rangers | D | $4.13 |
| 8821 | Patent/Copyright Attorney | A | $0.24 |
| 4361 | Pest Control Services | D | $5.31 |
| 9549 | Pet Grooming | C | $2.07 |
| 8099 | Pet Store | B | $1.36 |
| 8846 | Pharmaceutical Sales | B | $0.65 |
| 8839 | Pharmacy - Retail | B | $1.06 |
| 7600 | Phone/Telegraph Installation | E | $8.26 |
| 8832 | Physician & Clerical | B | $0.53 |
| 2110 | Pickle Manufacturing | C | $3.36 |
| 7313 | Pier/Wharf Operation | F | $13.27 |
| 5480 | Plastering NOC | E | $8.56 |
| 8111 | Plumber - Commercial | E | $7.08 |
| 5183 | Plumbing NOC | E | $7.97 |
| 7723 | Police Officers - Mounted | F | $12.68 |
| 7720 | Police Officers and Drivers | D | $6.78 |
| 8816 | Post Office | C | $3.24 |
| 2002 | Poultry Processing | F | $10.03 |
| 3076 | Printing - Offset or Digital | D | $3.66 |
| 8843 | Psychiatric Hospital | D | $5.31 |
| 8015 | Quick Printing | B | $1.18 |
| 8857 | Radio Station - Clerical | A | $0.21 |
| 7610 | Radio/TV Broadcasting | B | $1.48 |
| 7855 | Railroad Operation | E | $8.85 |
| 8856 | Real Estate Agency - All Employees | C | $1.42 |
| 8817 | Real Estate Management | B | $1.48 |
| 9077 | Recreation Center | C | $2.95 |
| 3060 | Refrigerator Manufacturing | D | $5.61 |
| 8849 | Research Lab - Analytical | B | $1.30 |
| 9079 | Restaurant - Fast Food | C | $3.84 |
| 9083 | Restaurant - Fast Food - Including Delivery | D | $4.84 |
| 9082 | Restaurant NOC | D | $4.43 |
| 8045 | Retail Store - Cannabis/Dispensary | C | $2.54 |
| 8017 | Retail Store NOC | C | $2.48 |
| 5551 | Roofing - All Employees | G | $29.50 |
| 5606 | Roofing Contractor | G | $26.55 |
| 7724 | Sanitation Workers | F | $10.03 |
| 9101 | School - All Employees | B | $2.18 |
| 9008 | Schools - Vocational | C | $3.24 |
| 9060 | Senior Center | B | $2.07 |
| 5538 | Sheet Metal Work - HVAC Ductwork | E | $8.02 |
| 8090 | Shoe Store | A | $0.65 |
| 5119 | Siding Installation | E | $8.85 |
| 9554 | Sign Installation, Maintenance, Repair, Removal or Replacement NOC - Away From Shop & Drivers | F | $9.74 |
| 9072 | Skating Rink | C | $3.24 |
| 8864 | Social Services Organization | B | $1.48 |
| 2105 | Soft Drink Manufacturing | C | $3.24 |
| 8078 | Sporting Goods Store | B | $1.48 |
| 8279 | Stable/Riding Academy | D | $6.19 |
| 7309 | Stevedoring | G | $21.83 |
| 5506 | Street/Road Construction | F | $13.86 |
| 5507 | Street/Road Construction - Clearing | F | $11.80 |
| 8804 | Substance Use Disorder Recovery Homes | C | $5.31 |
| 2021 | Sugar Manufacturing | D | $5.01 |
| 5223 | Swimming Pool Construction | F | $10.92 |
| 9064 | Swimming Pool Operation | C | $3.24 |
| 2623 | Tanning | D | $6.49 |
| 7370 | Taxi/Rideshare | D | $7.97 |
| 7390 | Taxicab Company - All Employees | D | $9.20 |
| 8814 | Telephone Company - Clerical | A | $0.21 |
| 5037 | Tile Roofing | G | $25.96 |
| 2121 | Tobacco Manufacturing | C | $2.95 |
| 7229 | Trucking - Hazmat | G | $17.40 |
| 7228 | Trucking - Local Hauling Only | D | $10.33 |
| 7219 | Trucking - Long Haul | E | $13.57 |
| 7232 | Trucking - Mail, Parcel or Package Delivery - Under Contract With USPS | F | $12.39 |
| 7231 | Trucking - Mail, Parcel, or Package Delivery | D | $10.74 |
| 7202 | Trucking - NOC | E | $11.21 |
| 7227 | Trucking - Refrigerated | E | $12.10 |
| 8847 | Trust Company | A | $0.18 |
| 9522 | Upholstery | C | $3.24 |
| 9068 | Veterans Home | D | $5.01 |
| 8842 | Veterinary Office - All Employees | C | $1.30 |
| 5180 | Water Main Construction | F | $14.16 |
| 3365 | Welding or Cutting NOC | E | $9.74 |
| 8018 | Wholesale Store NOC | C | $2.83 |
| 5196 | Wiring - Fire Detection Systems | D | $5.61 |
| 2841 | Woodworking NOC | D | $6.78 |
| 2286 | Wool Processing | C | $3.72 |
| 8802 | Writer/Author | A | $0.24 |
| 2220 | Yarn/Thread Manufacturing | C | $3.54 |
| 9063 | YMCA, YWCA, or Health Club - All Employees | C | $3.36 |
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