Texas workers' compensation rates expeced to decrease in 2020.

Texas has made dramatic improvements with regard to the average cost of workers' compensation over the past decade. The state has improved from the 12th most expensive to the 36th most expensive state between 2012 and 2020, according to a bi-annual study conducted by the Department of Consumer Business and Services.

Texas is a file and use state for private insurance companies, which means insurance companies don't need to have their rates approved by the state. Therefore, rates can vary quite a bit between insurance companies. Employers shopping for lower workers' compensation rates are well served to get quotes from several carriers to ensure they find a company with good rates.

Texas Mutual serves as the State Fund for Texas. They are required by law to provide coverage if no private carriers will offer coverage due to claims or class codes. Get a free no obligation quote from up to 35 insurance companies. Call 888-611-7467 today.

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Anatomy of Workers' Compensation Rates

What Influences the Cost of Your Coverage?

Your State & Class Code

Insurance companies file their "base manual rates" for approval for each state classification code. Rate recommendations are generally made annually by the National Council on Compensation Insurance.

Yous Claims or Losses

Employee claims are reported to NCCI and statistically compared with all other businesses using the same class code. An Experience Modification Factor will apply to your business after a few years.

Prior Experience & Coverage

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

Policy Credits and Debits

Insurance companies may typically apply policy credits and debits to the base Manual rates and additional discounts can be applied tp premium as the total 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.

Texas Rates for Select Workers' Comp Class Codes

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

Texas is not and NCCI state and maintains its own independent rating bureau managed by the Texas Department of Insurance. Since there is no comparative index for Texas that publishes the highest rates in the state, we are only to show the lowest rates we've found effective 3/1/2019. We can't guarantee that a business will qualify for the lowest workers comp rates available in the state. We do shop rates with over 35 insurance companies in an effort to ensure you get the best price available for your business and classification codes.

Class Code & Description Low Rate High Rate
0035 Farm- Planting and Harvesting- Cannabis Growers $1.66 $5.56
0042 Landscaping Service $2.29 $7.67
0106 Tree Trimming- Pruning- Removal $2.60 $8.71
0923 Residential Cleaning Service- Housekeepers n/a n/a
2121 Breweries- Craft Beers $0.93 $3.12
2157 Winery- Wine Makers $1.81 $6.06
2581 Carpet Cleaning $2.27 $7.60
2583 Dry Cleaning and Laundry Service $1.20 $4.02
3632 Machine Shop $1.27 $4.25
3724 Garage Door Installation $1.47 $4.92
3821 Salvage Yard-Automobile Recycling $1.94 $6.50
5022 Masonry Construction $3.13 $10.49
5102 Floor Installers- Wood-Carpet-Laminate $2.37 $7.94
5183 Plumbing Contractors $1.52 $5.09
5190 Residential Cleaning Service- Housekeepers $1.63 $5.46
5200 Concrete Work- Flat Work Cement $2.03 $6.80
5348 Ceramic, Tile and Stone Work $1.33 $4.46
5403 Residential Construction- Home Builders- Remodelers- Siding $2.82 $9.45
5437 Trim- Finish Carpenters- Cabinets- Countertops $2.29 $7.67
5437* Drywall Contractors $2.29 $7.67
5474 Painting Contractor $1.71 $5.73
5536 HVAC- Heating and Cooling Service/Repair $1.79 $6.00
5536* Solar Energy Contractors- Installation $1.79 $6.00
5538 Metal Building Construction $3.57 $11.96
5551 Roofing Contractors $5.40 $18.09
5606 Asphalt & Paving Work $0.41 $1.37
6216 Excavation and Grading Work $2.44 $8.17
6400 Fence Installation & Repair $2.28 $7.64
7219 Trucking- Short Haul and Long Haul $3.15 $10.55
7225 Towing Company $3.15 $10.55
7380 Non-Emergency Medical Transportation- Taxi- Limousine- Airport Shuttle $1.99 $6.67
7600 Alarm Installation and Repair $1.33 $4.46
7720 Security Guards- Patrol Officers $1.02 $6.70
8006 Gas Stations- Convenient Stores $1.04 $3.48
8017 Retail Stores- Merchandise- Cannabis Dispensary $0.69 $2.31
8292 Warehousing and Storage Facility $1.50 $5.33
8742 Sales Professional $0.11 $0.37
8810 Clerical- Office Employee $0.07 $0.26
8832 Animal Shelters and Kennels- Veterinarian $0.12 $0.40
9014 Janitorial Service Contractors- Pest Control- Exterminating- Chimney $1.20 $4.02
9015 Building Operations By Contractor $1.35 $4.89
9052 Hotels and Motels $1.06 $3.55
9060 Golf Courses and Country Clubs $0.73 $2.45
9061 Shooting Range- Amusement Park $0.60 $2.01
9063 Fitness Center- Health Clubs- YMCA Programs $0.40 $1.34
9079* Fast Food Restaurant- Concessions- Doughnut Shop $0.58 $1.94
9079** Mobile Food Truck- Food Cart- $0.58 $1.94
9079*** Restaurants- Catering $0.58 $1.94
9102 Lawn Service and Maintenance $1.40 $4.69
9402 Refuse Collection- Garbage- Trash Service $2.62 $8.78
9402* Septic Tank Cleaning- Portable Toilets $2.62 $8.78

Texas workers comp rates vary by their respective insurance class codes and insurance company underwriting guidelines. Employers' who have an Experience Modifier (E-Mod) assigned to their policy may have additional credits or debits applied to their work comp rates based on their premium size and prior workers compensation claims. Get TX quotes or shop for out-of-state workers compensation insurance coverage today.


State Resources for Texas

Texas Department Of Insurance

333 Guadalupe
Austin, TX 78701
800-578-4677
TX Dept. of Insurance

Texas Division of Workers Compensation

7551 Metro Center Drive Ste 100
Austin, TX 78744-1645
800-252-3439
TX Div of Workers Compensation

Texas Mutual Insurance Company

6210 East Highway 290
Austin, Texas 78723-1098
800-859-5995
Texas Mutual Insurance Company

Texas is not under the Jurisdiction of the National Council for Compensation Insurance (NCCI). Texas maintains its own independent rating bureau managed by the TX Department of Insurance.

Our agency can help employers find guaranteed state fund coverage in TX written with Texas Mutual. If we can't find more affordable coverage with a private insurance provider we can help buy a state fund policy.

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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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