Massachusetts workers' compensation rates may see increase in 2020.

Massachusetts ranks as the 4th in the nation for affordable worker’s compensation premium rates, according to a recent study completed by the Department of Consumer Business & Services. This makes Massachusetts one of the least expensive states in the nation for workers’ compensation coverage. It also represents a slight rate decrease over the same study conducted in 2018, where Massachusetts ranked 47th. Massachusetts workers' comp rates are approximately 27% below the national median.

While Massachusetts enjoys the benefit of low workers' comp rates, many employers are still paying more for their workers' compensation insurance because they have not shopped coveraage in years. Insurance companies tend to offer lower work comp rates for new business than they do on existing renewal policies.

Don't get stuck paying too much for your workers' comp coverage. Our agents know how to get you the lowest rates for your business. Call us today to find out how knowledegeable agents, expert advice and more choices lead to the best workers' comp quote.

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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.

MA Rates for Select Work Comp Class Codes

We Track and Monitor Filed Rates for Most State Class Codes. Select Codes Listed:

Massachusetts rates are established by the Workers Compensation Rating and Inspection Bureau. MA is not a competitive rating state so rates are set by the state. The workers' compensation rates listed below for Massachusetts represent the current insurance rates for 2019. Insurance companies may be able to offer discounts and credits on workers comp policies. We offer Pay As You Go insurance coverage in Massachusetts. Not all employers will qualify for the lowest rates available or maximum policy credits. We compare rates with dozens of insurance companies doing business in Massachusetts so your business finds the lowest rates for coverage.

Class Code & Description Low Rate High Rate
0035 Farm- Planting and Harvesting- Cannabis Growers $1.64 $1.64
0042 Landscaping Service $3.14 $3.14
0106 Tree Trimming- Pruning- Removal $8.71 $8.71
0917 Residential Cleaning Service- Housekeepers $2.23 $2.23
2121 Breweries- Craft Beers $1.24 $1.24
2143 Winery- Wine Makers $1.92 $1.92
2585 Dry Cleaning and Laundry Service $2.42 $2.42
2585* Carpet Cleaning $2.42 $2.42
3632 Machine Shop $1.43 $1.43
3724 Septic Tank Cleaning- Portable Toilets $4.60 $4.60
3821 Salvage Yard-Automobile Recycling $4.43 $4.43
5022 Masonry Construction $8.93 $8.93
5102 Door and Window Installers $6.12 $6.12
5183 Plumbing Contractors $2.82 $2.82
5190 Electrical Work- Electrician $2.05 $2.05
5221 Concrete Work- Flat Work Cement $6.12 $6.12
5223 Pool Installation- Pool Maintenance $3.65 $3.65
5348 Ceramic, Tile and Stone Work $3.85 $3.85
5437 Trim- Finish Carpenters- Cabinets- Countertops $3.84 $3.84
5445 Drywall Contractors $5.60 $5.60
5474 Painting Contractor $3.71 $3.71
5478 Floor Installers- Wood-Carpet-Laminate $3.68 $3.68
5538 HVAC- Heating and Cooling Service/Repair $1.79 $1.79
5538* Solar Energy Contractors- Installation $1.79 $1.79
5538** Metal Building Construction $1.79 $1.79
5545 Roofing Contractors $14.24 $14.24
5606 Asphalt & Paving Work $0.51 $0.51
5645 Residential Construction- Home Builders- Remodelers- Siding $2.67 $2.67
6217 Excavation and Grading Work $1.66 $1.66
6400 Fence Installation & Repair $2.16 $2.16
7219 Trucking- Short Haul and Long Haul $3.29 $3.29
7219* Towing Company $3.29 $3.29
7230 Package and Parcel Delivery $4.29 $4.29
7370 Non-Emergency Medical Transportation- Taxi- Limousine- Airport Shuttle $1.74 $1.74
7600 Alarm Installation and Repair $1.50 $1.50
7720 Security Guards- Patrol Officers $0.61 $0.61
8006 Gas Stations- Convenient Stores $0.55 $0.55
8017 Retail Stores- Merchandise- Cannabis Dispensary $0.44 $0.44
8292 Warehousing and Storage Facility $1.60 $1.60
8380 Auto Service and Repair- Mechanic $1.18 $1.18
8393 Auto Body Repair $0.61 $0.61
8742 Sales Professional $0.05 $0.05
8810 Clerical- Office Employee $0.03 $0.03
8824 Retirement Living Centers- Congregate Communities $0.82 $0.82
8829 Nursing Homes and Assisted Living Facilities $0.97 $0.97
8832 Medical Office- Doctor- Dentist- Chiropractor, Optometrist $0.13 $0.13
8835 Home Healthcare Workers $0.83 $0.83
8868 Religious Organization- Church- Temple $0.33 $0.33
9014 Property Management- Leasing Agent $0.98 $0.98
9015 Building Maintenance-Campgrounds-Camps-RV Parks $1.37 $1.37
9052 Hotels and Motels $0.69 $0.69
9060 Golf Courses and Country Clubs $0.46 $0.46
9063 Fitness Center- Health Clubs- YMCA Programs $0.27 $0.27
9079 Restaurants- Catering $0.50 $0.50
9079* Fast Food Restaurant- Concessions- Doughnut Shop $0.50 $0.50
9079** Mobile Food Truck- Food Cart- $0.50 $0.50
9079**** Bars-Taverns-Nightclubs $0.50 $0.50
9102 Lawn Service and Maintenance $1.02 $1.02
9180 Shooting Range- Amusement Park $1.90 $1.90
9402 Septic Tank Cleaning- Portable Toilets $1.72 $1.72
9403 Refuse Collection- Garbage- Trash Service $3.81 $3.81

Massachusetts workers comp rates vary by industry classification codes and insurance company underwriting standards. Employers' who have an Experience Mod Factor (E-Mod) assigned to their business may have additional credits or debits applied to their insurance rates based on prior premiums and workers compensation losses. There is no State Fund program in MA, but assigned risk insurance for companies unable to find private insurance is managed by the Workers Compensation Rating and Inspection Bureau.


State Resources for Massachusetts

Massachusetts Division Of Insurance

One South Station, 5th Floor
Boston, MO 02110-2208
617-521-7794
Consumer Affairs and Business Regulation

Workers Compensation Rating and Inspection Bureau

101 Arch Street
Boston, MA 02110
617-439-9030
Workers Compensation Rating and Inspection Bureau of Massachusetts

Massachusetts is not under the jurisdiction of the National Council for Compensation Insurance (NCCI). The state has its own independent bureau known as the Workers Compensation Rating and Inspection Bureau of Massachusetts.

Our agency helps employers find affordable private insurance coverage as well as Assigned Risk coverage with WCRIB.

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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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