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Alabama Workers Comp Rates

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Alabama Workers Comp Rates

Alabama workers' compensation rates continue to decrease in 2019.

Alabama currently ranks number 29 for the highest workers’ compensation premium rates in the nation, according to a recent study completed by the Department of Consumer Business and Services. The study shows improvement from a 2016 study where Alabama ranked 21st most expensive rates overall. Alabama rates are averaging about 3% lower than the national median.

Alabama employers benefit from shopping their work comp insurance rates with 3 or more carriers to ensure the find quotes with the lowest filed rates in the state. Additionally, insurance companies doing business in Alabama are permitted by state law to issue premium credits and debits up to 25%. Employers with good loss runs should qualify for underwriting credits.

Contact an one of our AL Specialist at Workers Compensation today to see if your business qualifies for lower rates and more premium discounts. Call 888-611-7467 or start your quote online today.

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Questions? Call 888-611-7467 for an Alabama Workers Compensation Shop Specialist

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AL Rates for Select Work Comp Class Codes Workers Compensation Icon.

Alabama workers' compensation rates listed below represent the current insurance rates, effective as of 3/1/19. New Alabama rates are proposed each by NCCI and then approved by the Department of Insurance. Insurance companies are able to offer discounts and scheduled credits for workers comp policies. We also offer Pay As You Go Work Comp coverage in Alabama.

Class Code

Low Rate High Rate

0035 Farm- Planting and Harvesting- Cannabis Growers

$1.50 $4.05

0042 Landscaping Service

$4.62 $12.48

0106 Tree Trimming- Pruning- Removal

$8.44 $22.80

0917 Residential Cleaning Service- Housekeepers

$3.35 $9.05

2121 Breweries- Craft Beers

$0.85 $2.30

2143 Winery- Wine Makers

$1.83 $4.94

2585 Carpet Cleaning

$2.56 $6.91

3632 Machine Shop

$1.83 $4.94

3724 Garage Door Installation

$3.27 $4.41

3821 Salvage Yard- Automobile Recycling

$4.92 $6.64

5022 Masonry Construction

$6.92 $9.34

5102 Door and Window Installers

$6.20 $8.37

5183 Plumbing Contractors

$3.20 $4.32

5190 Electric Work - Electrician

$2.14 $5.78

5221 Concrete Work-Flat Work Cement

$3.14 $8.48

5223 Pool Installation-Pool Maintenance

$5.77 $15.58

5348 Ceramic, Tile and Stone Work

$2.92 $7.89

5437 Trim-Finish Carpenters-Cabinets

$3.94 $10.64

5445 Drywall Contractors

$5.79 $15.64

5474 Painting Contractor

$3.61 $9.75

5478 Floor Installer-Wood-Carpet-Laminate

$4.70 $12.69

5535 Metal Building Construction

$5.81 $15.69

5537 HVAC- Heating and Cooling Service/Repair

$3.33 $8.99

5537* Solar Energy Contractors

$3.33 $8.99

5551 Roofing Contractors

$13.62 $36.79

5606 Asphalt & Paving Work

$0.91 $2.46

5645 Residential Construction - Home Builders - Re-modelers-Siding

$10.10 $27.28

6217 Excavation & Grading Work

$4.05 $10.94

6400 Fence Installation & Repair

$5.81 $15.69

7219 Trucking-Short Haul and Long Haul

$4.87 $13.15

7225 Towing Company

$3.93 $10.61

7230 Package and Parcel Delivery

$5.23 $14.13

7370 Non-Emergency Medical Transportation-Taxi-Limousine-Airport Shuttle

$3.00 $9.32

7605 Alarm Installation & Repair

$1.46 $3.94

7720 Security Guards - Patrol Officers

$2.49 $6.73

8006 Gas Stations - Convenient Stores

$2.49 $6.73

8017 Retail Stores-Merchandise-Cannabis Dispensary

$1.16 $3.13

8292 Warehousing and Storage Facility

$2.33 $6.29

8380 Auto Service and Repair - Mechanic

$2.53 $6.83

8393 Auto Body Repair

$1.06 $2.86

8742 Sales Professional

$0.25 $0.68

88.68 Social Service Organizations- Counseling- Family Services

$0.29 $0.78

8810 Clerical- Office Employees

$0.11 $0.30

8824 Retirement Living Centers- Congregate Communities

$2.35 $6.35

8829 Nursing Homes and Assisted Living Facilities

$1.68 $4.54

8831 Animal Shelters and Kennels- Veterinarian

$1.08 $2.92

8832 Medical Office- Doctor- Dentist- Chiropractor, Optometrist

$0.27 $0.73

8835 Home Healthcare Workers

$2.06 $5.56

8842 Nursing Homes and Assisted Living Facilities

$2.11 $5.70

8864 Social Service Organizations- Counseling- Family Services

$2.11 $5.70

8868 Religious Organization- Church- Temple

$0.29 $0.78

8869 Child Care Center- Daycare Providers

$0.83 $2.24

9012 Property Management- Leasing Agent

$0.99 $2.67

9014 Janitorial Service Contractors- Pest Control- Exterminating- Chimney

$1.98 $5.35

9015 Building Maintenance- Campgrounds- Camps- RV Parks

$2.69 $7.27

9052 Hotels and Motels

$1.56 $4.21

9060 Golf Courses and Country Clubs

$1.15 $3.11

9063 Fitness Center- Health Clubs- YMCA Programs

$0.75 $2.03

9082 Restaurants- Catering

$1.12 $3.03

9083 Fast Food Restaurant-Concessions-Doughnut Shop

$1.06 $2.86

9083* Mobile Food Trucks-Food Cart

$1.06 $2.86

9084 Bars-Taverns-Nightclubs

$1.09 $2.94

9102 Lawn Service and Maintenance

$1.91 $5.16

9180 Shooting Range- Amusement Park

$3.55 $9.59

9402 Septic Tank Cleaning- Portable Toilets

$4.62 $12.48

9403 Refuse Collection- Garbage- Trash Service

$5.15 $13.91

9516 Electrical Equipment Service & Repair

$5.74 $15.94

Alabama workers compensation rates vary by work comp class codes and insurance company underwriting standards. Employers' who have an Experience Modification Factor assigned to their business may have additional credits or debits applied to their insurance rates based on prior premium and workers compensation losses.

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State Resources for Alabama

Alabama Department Of Industrial Relations

649 Monroe Street
Montgomery, Alabama 36131

Alabama is under the Jurisdiction of the National Council for Compensation Insurance and contracts with Travelers as the state fund carrier.

Our agency can help employers find guaranteed fund coverage in AL, if we can't find coverage with a private insurance provider.

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We've developed exclusive relationships with our insurance companies to turn-around accurate and bindable workers comp quotes in no time at all.

Workers comp insurance rates   Start your quote online or call us at 888-611-7467

Workers comp insurance rates   We will shop your policy with our AL carriers.

Workers comp insurance rates   You get the very best prices on workers comp.

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No Money Down Workmans Comp Workers Comp Payments
$0 Money Down Better Payment Options

We're a national leader in Pay As You Go Workers Compensation. We've developed low price programs to help reduce or eliminate down payments and allow employers to report and pay premium based on their actual wages.

We've negotiated the best deals with many of our insurance companies in order to offer more flexible payment options like 12 equal installment plans and monthly reporting to help improve cash flow for business owners.

Workers Compensation Class Codes
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Tough Class Codes Faster Insurance Quotes

We offer an affordable quote for some of the toughest NCCI class codes and higher experience modifiers because we've partnered with national carriers who specialize in high hazard industries.

Our carriers and underwriters understand that we need to turn wc quotes quickly so our customers can buy coverage when they need it. We often turn quotes in less than 24 hours.

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Learn more about workers compensation insurance in Alabama Work Comp:  Alabama | AL Programs| AL Rates | AL Forms | AL Info | AL Quotes
Workers Compensation Agents Shop Your Alabama Insurance Rates

Alabama workers compensation rates are expected to remain stable this year and next as state losses have trended well. The effective date of current filed rates in Alabama was March 1st, 2014.

Alabama insurance rates vary significantly between insurance companies, so it's more important than ever to shop your coverage with an agency who understand the workers comp market and has contracts with a broad range of insurance companies.

Alabama Agency License: 447052
National Producer Number: 5064979

Contact a Alabama Workmans Comp Specialist