Texas workers' compensation rates expected to be flat in 2023.

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 18thh least expensive state between 2012 and 2022, 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. This means insurance companies don't need to have their rates approved by the state before they can offer insurance coverage. Therefore, rates will vary quite a bit between insurance companies in Texas. 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 for their workers' comp class codes.

Texas Mutual serves as the State Fund for Texas. They are required by law to provide coverage if no private insurance carriers will offer coverage due to claims or the risks associated with the business classification codes.

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.

Texas Rates for Select Workers' Comp Class Codes

Rates for 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. The workers' compensation rates listed below represent the lowest and highest insurance rates we've found for 2023. Not all employers will qualify for the lowest rates available or maximum policy credits. We shop rates with more carriers so business owners get the best rates for coverage.

Class Code & Description Low Rate High Rate
0035 Farm- Planting and Harvesting- Cannabis Growers $1.12 $5.47
0042 Landscaping Service $1.88 $6.76
0106 Tree Trimming- Pruning- Removal $2.08 $10.15
0923 Residential Cleaning Service- Housekeepers $0.42 $2.05
2121 Breweries- Craft Beers $0.82 $4.00
2157 Winery- Wine Makers $1.41 $6.88
2581 Carpet Cleaning $1.70 $8.30
2583 Dry Cleaning and Laundry Service $0.77 $3.76
3632 Machine Shop $1.05 $5.12
3724 Garage Door Installation $1.29 $6.30
3821 Salvage Yard-Automobile Recycling $1.44 $7.03
5022 Masonry Construction $2.45 $11.96
5102 Door & Window Installers $1.96 $9.56
5183 Plumbing Contractors $2.45 $11.96
5190 Electrical Work-Electrician $1.33 $6.49
5200 Concrete Work- Flat Work Cement $1.64 $8.15
5200* Pool Installation & Maintenance $1.64 $8.15
5348 Ceramic, Tile and Stone Work $1.17 $5.71
5403 Residential Construction- Home Builders- Remodelers- Siding $2.82 $9.45
5437 Trim- Finish Carpenters- Cabinets- Countertops $1.90 $9.27
5437* Drywall Contractors $1.90 $9.27
5474 Painting Contractor $1.42 $6.93
5536 HVAC- Heating and Cooling Service/Repair $1.35 $6.59
5536* Solar Energy Contractors- Installation $1.35 $6.59
5538 Metal Building Construction $2.77 $13.52
5551 Roofing Contractors $4.36 $21.28
5606 Asphalt & Paving Work $0.32 $1.56
6216 Excavation and Grading Work $2.07 $10.10
6400 Fence Installation & Repair $2.44 $11.91
7219 Towing Company $2.82 $13.76
7219* Trucking-Short & Long Haul $2.82 $13.76
7380 Non-Emergency Medical Transportation- Taxi- Limousine- Airport Shuttle $1.62 $7.91
7600 Alarm Installation and Repair $1.16 $5.66
7720 Security Guards- Patrol Officers $1.02 $6.70
8006 Gas Stations- Convenience Stores $0.79 $3.86
8017 Retail Stores- Merchandise- Cannabis Dispensary $0.69 $2.31
8292 Warehousing and Storage Facility $1.27 $6.20
8742 Sales Professional $0.11 $0.37
8810 Clerical- Office Employee $0.07 $0.26
8828 Home Healthcare Workers $0.84 $4.10
8832 Animal Shelters and Kennels- Veterinarian $0.12 $0.40
8868 Group Homes-Temporary Shelters-Disability Facility $0.19 $0.93
8868* Religious Organizations-Church-Temple $0.19 $0.93
9014 Janitorial Service Contractors- Pest Control- Exterminating- Chimney $0.94 $4.59
9015 Building Operations By Contractor $1.35 $4.89
9052 Hotels and Motels $0.78 $3.81
9060 Golf Courses and Country Clubs $0.52 $2.54
9061 Shooting Range- Amusement Park $0.60 $2.01
9063 Fitness Center- Health Clubs- YMCA Programs $0.30 $1.46
9079 Bar-Tavern-Nightclub $0.46 $2.10
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 $0.91 $4.44
9402 Refuse Collection- Garbage- Trash Service $2.32 $11.32
9402* Septic Tank Cleaning- Portable Toilets $2.32 $11.32

Texas workers' comp rates vary by class codes and insurance company underwriting guidelines. Employers' who have an Experience Modifier Rating (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. We offer Pay As You Go workers' comp coverage in Texas.

State Resources for Texas

Texas Department Of Insurance

333 Guadalupe
Austin, TX 78701
TX Dept. of Insurance

Texas Division of Workers Compensation

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

Texas Mutual Insurance Company

6210 East Highway 290
Austin, Texas 78723-1098
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 helps employers find guaranteed state fund workers' comp in TX written with Texas Mutual. If we can't find more affordable coverage with a private insurance provider we can help you 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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