California workers' compensation rates expected to flatten in 2023.

California State Fund announced a 9.5% rate reduction due to a decrease in claims costs in 2022. The Department of Insurance has approved the rate filing. Private insurance companies are likely to follow suit in order to remain competitive with SCIF. Despite the overall rate reduction, employers may still see some rate increases or decreases depending on their class codes and experience factors.

California has been one of the most expensive states for workers' compensation insurance coverage. A 2022 study indicated that the average rates in CA were almost 178% higher than the national medium. California was ranked 4th in 2020, but currebtly ranks as the 3rd most expensive state. California operates its own workers' compensation system and manages the California State Fund.

Workers compensation rates can vary significantly between insurance companies in California. Several carriers left the state due to losses and market volatility, while other carriers have entered the CA market over the past few years.

Don't pay too much for your workers' comp coverage. Our agents will find your best deal. Our technology tracks carrier rates by state and compares their pricing in real-time. Find out how knowledegeable agents, better advice and more options lead to lower rates and a better price.

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Workers Comp Rates are an Art & Science

What influences my workers comp insurance cost?

Your State & Class Codes

Insurance companies file their "base manual rates" for approval with each state for all class codes. Rate recommendations are generally made to the state and carriers annually by the National Council on Compensation Insurance.

Your Claims or Losses

Employee claims are reported to NCCI and statistically compared with all other similar type businesses using the same class code in each state. An Experience Modification Rate may apply to your business after a few years of coverage.

Prior Experience & Coverage

Insurance company underwriters are permitted to make premium rate adjustments based on unique factors about your business, safety practices, and management experience in most states.

Policy Credits and Debits

Insurance companies may apply policy credits and debits to the base manual rates. Additional discounts can be applied to premium as the total payroll & premium increases.

Smart Agents with expertise in workers' compensation insurance utilize this information to negotiate your insurance rates with underwriters. A good narrative about your business helps insurance companies justify a better price.

California Rates for Select WCIRB Class Codes

Rates for State Class Codes. Select Codes Listed:

The workers' compensation rates listed below for California represent the current insurance rates we've found for 2023. There is no guarantee that any business or employer will qualify for the lowest workers' compensation rates. Carriers don't have a universal rate filing date in CA, so each carrier may change their filed rates at different times during the year. California work comp rates can vary significantly by carrier. We shop with more carriers to ensure your business gets the lowest CA rates.

Class Code & Description Low Rate High Rate
0035 Farm- Planting and Harvesting- Cannabis Growers $4.82 $15.04
0042 Landscaping Service $6.42 $24.10
0106 Tree Trimming- Pruning- Removal $12.58 $43.53
2121 Breweries- Craft Beers $3.05 $12.02
2142 Winery- Wine Makers $2.26 $7.07
2585 Carpet Cleaning $7.56 $28.62
2589 Dry Cleaning and Laundry Service $4.30 $14.12
3179 Package and Parcel Delivery $2.40 $11.26
3632 Machine Shop $2.75 $11.07
3724 Garage Door Installation $4.01 $16.28
3821 Salvage Yard-Automobile Recycling $8.34 $26.23
5027 Masonry Construction $12.11 $43.60
5028 Masonry (at least $24/hr) $7.47 $22.03
5029 Concrete Construction $5.09 $16.14
5102 Door and Window Installers $6.13 $26.65
5140 Electrical Work (a least $28/hr) $2.41 $8.37
5183 Plumbing Contractors $5.63 $27.82
5184 Plumbing (at least $21/hr) $3.89 $13.03
5190 Electrical Work- Electrician $4.53 $16.31
5201 Concrete Work (under $24/hr) $10.17 $33.36
5205 Concrete Work (at least $24/hr) $5.37 $18.17
5213 Concrete Work- Flat Work Cement $5.68 $18.92
5348 Ceramic, Tile and Stone Work $5.29 $19.21
5403 Carpentry (under $26/hr) $15.64 $50.10
5432 Trim- Finish Carpenters- Cabinets- Countertops $4.71 $18.70
5436 Hardwood Floor Installation $7.37 $21.99
5446 Drywall Contractors $6.43 $26.10
5474 Painting Contractor $8.83 $38.66
5482 Painting (at least $24/hr) $5.84 $18.07
5552 Roofing Contractors $23.06 $87.83
5606 Asphalt & Paving Work $0.72 $2.57
5610 Residential Construction- Home Builders- Remodelers- Siding $3.30 $10.39
6218 Excavation $5.54 $18.65
6220 Grading Work $4.04 $14.67
6400 Fence Installation & Repair $13.08 $25.93
7219 Trucking- Short Haul and Long Haul $8.06 $33.79
7227 Towing Company $8.40 $40.19
7232 Non-Emergency Medical Transportation- $11.80 $39.79
7365 Taxis- Limousine- Airport Shuttle $5.48 $20.67
7605 Alarm Installation and Repair $2.87 $11.61
7720 Security Guards- Patrol Officers $2.65 $9.30
8006 Gas Stations- Convenient Stores $3.86 $13.53
8017 Retail Stores- Merchandise- Cannabis Dispensary $2.63 $9.26
8292 Warehousing and Storage Facility $8.32 $29.38
8389 Auto Service and Repair- Mechanic $3.83 $13.75
8393 Auto Body Repair $3.05 $13.20
8740 Property Management- Leasing Agent $1.23 $4.43
8742 Sales Professional $0.36 $1.35
8810 Clerical- Office Employee $0.28 $0.99
8827 Home Health Care $6.37 $19.68
8829 Nursing Homes and Assisted Living Facilities $3.92 $13.58
8831 Animal Shelters and Kennels- Veterinarian $1.90 $6.08
8834 Doctors, and Physicians $1.22 $3.68
8839 Medical Office- Doctor- Dentist- Chiropractor, Optometrist $0.77 $2.66
8851 Retirement Living Centers- Congregate Communities $3.65 $12.76
8868 Religious Organization- Church- Temple $0.60 $2.74
9008 Janitorial Service Contractors- Pest Control- Exterminating- Chimney $8.68 $30.16
9015 Building Maintenance-Campgrounds-Camps-RV Parks $5.83 $20.18
9050 Hotels and Motels $6.88 $28.01
9053 Fitness Center- Health Clubs- YMCA Programs $1.97 $6.19
9060 Golf Courses and Country Clubs $4.04 $16.47
9070 Social Service Organizations- Counseling- Family Services $5.62 $10.40
9079 Mobile Food Truck- Food Cart- $3.17 $12.14
9079* Fast Food Restaurant- Concessions- Doughnut Shop $3.17 $12.14
9079*** Restaurants- Catering $3.17 $12.14
9096 Residential Cleaning Service- Housekeepers $12.36 $48.40
9097 Pool Installation- Pool Maintenance $3.99 $15.72
9102 Lawn Service and Maintenance $11.13 $11.13
9180 Shooting Range- Amusement Park $2.93 $10.15
9403 Refuse Collection- Garbage- Trash Service $6.19 $23.63
9426 Septic Tank Cleaning- Portable Toilets $5.95 $19.67
9516 Electrical Equipment Repair and Service $2.47 $8.69
9521 Carpet Installation $6.71 $21.46

State Compensation Insurance Fund- SCIF operates the State Fund in California. Workers comp rates vary by industrial classification codes and insurance company underwriting standards. Employers' who have an Experience Modifier Rate (EMR) assigned to their business may have additional credits or debits applied to their insurance policy based on prior premiums and workers' compensation loss experience.

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State Resources for California

California Department of Insurance

Consumer Communications Bureau
Los Angeles, CA 90013

CA Division of Workers Compensation

Post Office Box 420603
San Francisco, California 94142
DWC Home Page

State Compensation Insurance Fund (SCIF)

1275 Market Street
San Francisco, CA 94103
California State Fund

Workers' Compensation Insurance Rating Bureau of California

525 Market Street, Ste. 800
San Francisco, CA 94105-2716

Workers’ Compensation Appeals Board (WCAB)

455 Golden Gate Avenue, Suite 9328
San Francisco, California 94102-3660
California Appeals Board

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Visit NCCI for more resources and information about workers' compensation class codes. Visit United States Department of Labor for more information about government agencies managing workers compensation insurance rates.

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