Wisconsin workers' compensation rates set to increase in 2020.

Workers' compensation rates in Wisconsin are about average compared to the rest of the United States. Rates have been trending down for the past few years, but WI work comp rates are expected to take a slight increase over 2020. There are currently over 300 insurance companies approved to sell workers' comp in Wisonsin, making it a very competive state.

West Virginia is an NCCI state like most other states. This means that NCCI oversees employers' experience modifiers and collects all data for the state including claims, class codes, premiums, and payroll. They analyze this data and make annual recommendations to carriers and to the WV Department of Insurance. Every Insurance company is required to file their rates with the state for approval each year.

Workers' compensation rates may still vary for the same class codes in West Virginia because insurance companies can apply policy credits and debits up to 25% to adjust their filed rates. More discounts may also be added to a policy depending on the size of payroll and overall claims experience.

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 knowledegable 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.

Wisconsin Rates for Select Work Comp Class Codes

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

Wisconsin is not an NCCI state and rates are not made public by the state. Workers Compensation rates in Wisconsin are regulated by The Wisconsin Compensation Rating Bureau and the Department of Workforce Development. Private insurance companies are allowed to offer workers compensation insurance in the state and these carriers may also offer premium discounts and scheduled credits on workers comp policies.These rates are effective for 2020.

Class Code & Description Low Rate High Rate
0035 Farm- Planting and Harvesting- Cannabis Growers $3.36 $3.36
0042 Landscaping Service $9.27 $9.27
0106 Tree Trimming- Pruning- Removal $12.14 $12.14
0917 Residential Cleaning Service- Housekeepers $8.96 $8.96
2121 Breweries- Craft Beers $3.11 $3.11
2143 Winery- Wine Makers $4.31 $4.31
2585 Carpet Cleaning $4.92 $4.92
2585* Dry Cleaning and Laundry Service $4.92 $4.92
3632 Machine Shop $3.50 $3.50
3724 Garage Door Installation $5.66 $5.66
3821 Salvage Yard-Automobile Recycling $12.38 $12.38
5022 Masonry Construction $13.51 $13.51
5102 Door and Window Installers $15.26 $15.26
5183 Plumbing Contractors $4.25 $4.25
5190 Electrical Work- Electrician $4.25 $4.25
5221 Concrete Work- Flat Work Cement $7.85 $7.85
5223 Pool Installation- Pool Maintenance $6.87 $6.87
5348 Ceramic, Tile and Stone Work $15.06 $15.06
5437 Trim- Finish Carpenters- Cabinets- Counter tops $9.24 $9.24
5445 Drywall Contractors $7.48 $7.48
5474 Painting Contractor $10.83 $10.83
5478 Floor Installers- Wood-Carpet-Laminate $16.22 $16.22
5535 Metal Building Construction $9.59 $0.59
5537 HVAC- Heating and Cooling Service/Repair $5.00 $5.00
5537* Solar Energy Contractors- Installation $5.00 $5.00
5551 Roofing Contractors $26.00 $26.00
5606 Asphalt & Paving Work $1.81 $1.81
5645 Residential Construction- Home Builders- Remodelers- Siding $16.72 $16.72
6217 Excavation and Grading Work $6.59 $6.59
6400 Fence Installation & Repair $11.19 $11.19
7219 Trucking- Short Haul and Long Haul $8.42 $8.42
7225 Towing Company $8.47 $8.47
7230 Package and Parcel Delivery $7.28 $7.28
7370 Non-Emergency Medical Transportation- Taxi- Limousine- Airport Shuttle $6.76 $6.76
7605 Alarm Installation and Repair $5.20 $5.20
7720 Security Guards- Patrol Officers $3.02 $3.02
8006 Gas Stations- Convenient Stores $5.06 $5.06
8017 Retail Stores- Merchandise- Cannabis Dispensary $1.96 $1.96
8292 Warehousing and Storage Facility $6.00 $6.00
8380 Auto Service and Repair- Mechanic $4.10 $4.10
8387 Auto Shop $4.40 $4.40
8393 Auto Body Repair $3.65 $3.65
8742 Sales Professional $0.49 $0.49
8810 Clerical- Office Employee $0.20 $0.20
8824 Retirement Living Centers- Congregate Communities $5.06 $5.06
8829 Home Healthcare Workers $2.76 $2.76
8831 Animal Shelters and Kennels- Veterinarian $1.77 $1.77
8832 Medical Office- Doctor- Dentist- Chiropractor, Optometrist $0.38 $0.38
8835 Home Healthcare Workers $2.65 $2.65
8842 Group Homes- Temporary Shelters- Disability Facility $4.60 $4.60
8857 Social Service Organizations- Counseling- Family Services $0.49 $0.49
8868 Religious Organization- Church- Temple $0.57 $0.57
8869 Child Care Center- Daycare Providers $1.43 $1.43
9012 Property Management- Leasing Agent $1.98 $1.98
9014 Janitorial Service Contractors- Pest Control- Exterminating- Chimney $4.73 $4.73
9015 Building Maintenance-Campgrounds-Camps-RV Parks $5.17 $5.17
9052 Hotels and Motels $2.96 $2.96
9060 Golf Courses and Country Clubs $2.27 $2.27
9063 Fitness Center- Health Clubs- YMCA Programs $1.57 $1.57
9082 Restaurant $2.48 $2.48
9083 Fast Food Restaurant- Concessions- Doughnut Shop $1.63 $1.63
9083* Mobile Food Truck- Food Cart- $1.63 $1.63
9084 Bars-Taverns-Nightclubs $2.35 $2.35
9102 Lawn Service and Maintenance $3.69 $3.69
9180 Shooting Range- Amusement Park $16.88 $16.88
9402 Septic Tank Cleaning- Portable Toilets $5.15 $5.15
9403 Refuse Collection- Garbage- Trash Service $10.47 $10.47
9519 Electrical Equipment Repair and Service $8.20 $8.20

There is not a State Fund program in Wisconsin. However, The Workers Compensation Rating Bureau administers all Assigned Risk policies in the state. Employers who are not able to find more affordable coverage with a private insurance company can purchase coverage through WCRB as a last resort. Rates vary by workers comp class codes and underwriting guidelines set by insurance providers. Get quotes for Wisconsiin or shop for out-of-state workers compensation insurance coverage today.


State Resources for Wisconsin

Wisconsin Department of Workforce Development

Workers' Compensation Division
P.O. Box 7901
Madison, WI 53707-7946
608-266-1340
https://dwd.wisconsin.gov/

Wisconsin Compensation Rating Bureau

P.O. Box 3080
Milwaukee, Wisconsin 53201-3080
262-796-4540
https://www.wcrb.org/WCRB/wcrbhome.htm

Wisconsin is under the Jurisdiction of the National Council for Compensation Insurance (NCCI) and contracts with Travelers as the state fund carrier.

Our agency helps employers find guaranteed state fund workers' comp in WI. If we can't find more affordable coverage with a private insurance company, 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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