Washington workers' compensation rates expected to decrease over 2024.

According to a recent study, workers' compensation rates in the state of Washington are expected to decrease slightly this year. The state currently ranks in the top 25 for the highest average workers' comp rates in the country. A recent study indicated that Washington rates are approximately 3% higher than the median work comp insurance rates based on a composite study of selected classification codes. Since Washington is a monopolist state, in state coverage must be written through the state. Our national ageny specializes in writing Out of State Coverage for business owners located in the state of Washington.

Please refer to the Washington Department of Labor and Industries for class codes and rate information since WA operates as a monopolistic state fund.  If you are a Washington based business employing people outside the state of WA, we can help your business obtain workers' compensation coverage for employees and jobs in all other states outside of Washington.

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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.

Washington Rates for Select Work Comp Class Codes

Rates for State Class Codes. Select Codes Listed:

As of 2023, Washington is one of four monopolistic states left in the United States. NCCI state rules and manuals do not apply in Washington. This means that all rates are set by the state and that private insurance companies are not permitted to compete in the state. We help Washington employers find workers' compensation coverage in other states when they hire out of state employees or perform work in other states.

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Workers' compensation rates are regulated by the Washington Department of Labor and Industries and they act as the exclusive State Fund insurance carrier. Employers doing business with one or more employee are required to carry workers compensation coverage in Washington. We are a national insurance firm specializing in workers compensation and general liability insurance. Get quotes on out of state workers' compensation insurance

State Resources for Washington

Washington Department of Labor and Industries

PO Box 4400
Olympia, WA 98504-4000
WA Dept. of Labor and Industries

Washington Board of Industrial Insurance Appeals

2430 Chandler Court SW
PO Box 42401
Olympia, WA 98504-2401
Board of Industrial Insurance Appeals

Washington is not under the Jurisdiction of the National Council for Compensation Insurance (NCCI) and the state makes its own laws and rules for state workers' comp coverage. Employers can only buy coverage from the state fund.

Our agency can help employers find other state and multi-state coverage for businesses that need insurance in one or more additional states.

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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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