Workers Compensation

Washington Workers Comp Rates

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Monopolistic Work Comp State
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Washington Workers Comp Rates

Washington workers' compensation rates on rise in 2016.

According to the Insurance Journal, workers' compensation rates in the state of Washington are rising by 2% in 2016. The state currently ranks in the top 20 in terms of the highest workers' comp rates in the country. A recent study indicated that Washington rates, on average, we're approximately 108% of the median insurance rates based on a composite study of selected classification codes.

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 our Agency can help your business obtain workers' compensation coverage for employees and jobs outside of Washington.

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Questions? Call 888-611-7467 Today for Help With WA Workers Compensation Rates

WA Rates for Select Work Comp Class Codes Workers Compensation Icon.

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.

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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.

2016 Washington Workers Comp Rates and Class Codes.

State Workers' Comp Rates

The Department of Labor and Industries requires that all employers open an account. Once the account has been opened, employers will receive a workers' compensations rate notice from DL&I. The will also send rate notices annually as state rates change and/or your individual experience modification factor changes with claims activity and time. Notices are generally mailed in December and become effective January 1st.

Washington rates are different than the normal NCCI rating system and are referred to composite rates. Like NCCI rates, they are based on hourly units of wages per hundred, but they are based on four separate cost factors determined by the state. Included components of rating are:

  • Washington Accident Fund
  • Medical Aid Fund
  • Stay at Work Program
  • Supplemental Pension Fund

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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

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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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How to get the lowest rates on workers comp insurance.


We've developed exclusive relationships with our insurance companies to turn-around accurate and bindable workers comp quotes in no time at all.

Workers comp insurance rates   Start your quote online or call us at 888-611-7467

Workers comp insurance rates   We will shop your policy with our WA carriers.

Workers comp insurance rates   You get the very best prices on workers comp.

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No Money Down Workmans Comp Workers Comp Payments
$0 Money Down Better Payment Options

We're a national leader in Pay As You Go Workers Compensation. We've developed low price programs to help reduce or eliminate down payments and allow employers to report and pay premium based on their actual wages.

We've negotiated the best deals with many of our insurance companies in order to offer more flexible payment options like 12 equal installment plans and monthly reporting to help improve cash flow for business owners.

Workers Compensation Class Codes
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Tough Class Codes Faster Insurance Quotes

We offer an affordable quote for some of the toughest NCCI class codes and higher experience modifiers because we've partnered with national carriers who specialize in high hazard industries.

Our carriers and underwriters understand that we need to turn wc quotes quickly so our customers can buy coverage when they need it. We often turn quotes in less than 24 hours.

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Learn more about workers compensation insurance in Washington Work Comp:   Washington | WA Programs| WA Rates | WA Forms | WA Info | WA Quotes
Workers Compensation Agents WC Classification Codes.

Workers' comp premium depends on the risk classification(s) assigned to a business. Washington has approximately 300 classification codes to separate the various industries in the state for work comp purposes. The rates and cost of insurance reflects the risk of injuries for each industry classification as a whole.

Give one of our U.S. workers compensation Specialists a call today at 888-611-7467 to see if your business qualifies for lower workers compensation insurance rates in another state.

Washington Agency License: 784334
National Producer Number: 5064979

Contact a Washington Workmans Comp Specialist