Workers Compensation Rates in Wisconsin

About Wisconsin workers' compensation rates.

Workers' compensation rates in Wisconsin are fairly high compared to the rest of the United States. Rates are averaging about 32% higher based on a recent study released in 2022. There are currently about 300 insurance companies approved to sell workers' comp in Wisonsin, making it a great state for buying coverage.

Wisconsin is not an NCCI state like most other states. This means that NCCI does not oversees employers' experience modifiers. It does not collect data for the state including claims, class codes, premiums, and payroll. Rates in Wisconsin are regulated by Wisconsin Compensation Rating Bureau.

Workers' compensation rates will not vary for the same class codes in Wisconsin because the WCRB sets the rates with the approval of the Commissioner of Insurance. Insurance companies in the voluntary market will apply a premium discount when the premium is over $10,000. An employer may also be eligible to receive a policy dividend at the end of the policy period from private insurance companies

Don't pay too much for your workers' comp coverage. Let us help find your best deal. Give us a call today or start a quote online.

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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

Rates for State Class Codes. Select Codes Listed:

Wisconsin is not an NCCI state. Workers Compensation rates in Wisconsin are set by The Wisconsin Compensation Rating Bureau with the approval of the Commissioner of Insurance. Private insurance companies are allowed to offer workers compensation insurance in the state and these carriers may offer premium discounts and dividends on eligible workers' comp policies. These rates are effective as of 10/01/2021.

Class Code & Description	Low Rate	High Rate
0035 Farm-Planting & Harvesting-Cannabis Growers	$3.02	$3.02
0042 Landscaping Service	$8.09	$8.09
0106 Tree Trimming- Tree Pruning- Tree Removal	$8.54	$8.54
0917 Residential Cleaning Service	$7.15	$7.15
2121 Breweries-Craft Beers	$2.91	$2.91
2143 Winery-Wine Makers	$4.51	$4.51
2585 Carpet Cleaning	$4.28	$4.28
2585* Dry Cleaning & Laundry Service	$4.28	$4.28
3632 Machine Shop	$3.24	$3.24
3724 Garage Door Installation	$5.17	$5.17
3821 Salvage Yard-Auto Recycling	$11.95	$11.95
5022 Masonry Construction	$10.86	$10.86
5102 Door & Window Installers	$10.83	$10.83
5183 Plumbing Contractors	$3.39	$3.39
5190 Electrical Work-Electricians	$3.39	$3.39
5221 Concrete Work-Flat Work Cement	$6.37	$6.37
5223 Pool Installation & Maintenance	$6.02	$6.02
5348 Ceramic, Tile & Stone Work	$11.35	$11.35
5437 Trim-Finish Carpenters-Cabinets-Countertops	$10.03	$10.03
5445 Drywall Contractors	$5.63	$5.63
5474 Painting Contractor	$7.66	$7.66
5478 Floor Installers-Wood-Carpet-Laminate	$11.08	$11.08
5535 Metal Building Construction	$8.12	$8.12
5537 HVAC-Heating & Cooling Service/Repair	$4.39	$4.39
5537* Solar Energy Contractors-Installation	$4.39	$4.39
5551 Roofing Contractors	$21.28	$21.28
5606 Asphalt & Paving Work	$1.62	$1.62
5645 Residential Construction-Home Builders-Remodelers-Siding	$1307.00	$13.07
6217 Excavation & Grading Work	$4.79	$4.79
6400 Fence Installation & Repair	$9.73	$9.73
7219 Trucking-Short & Long Haul	$7.60	$7.60
7225 Towing Company	$7.17	$7.17
7230 Package & Parcel Delivery	$8.05	$8.05
7370 Non-Emergency Medical Transport-Taxi-Limo-Airport Shuttle	$6.04	$6.04
7605 Alarm Installation & Rpair	$4.44	$4.44
7720 Security Guards-Patrol Officers	$2.89	$2.89
8006 Gas Stations-Convenience Stores	$3.42	$3.42
8017 Retail Stores-Merchandise-Cannabis Dispensary	$1.90	$1.90
8292 Warehousing & Storage Facility	$5.49	$5.49
8380 Auto Service & Repair-Mechanic	$3.56	$3.56
8393 Auto body Repair	$3.11	$3.11
8742 Sales Professional	$0.42	$0.42
8810 Clerical-Office Employee	$0.19	$0.19
8824 Retirement Living Center-Congregate Communities	$3.31	$3.31
8829 Nursing Home & Assisted Living Facilities	$2.25	$2.25
8831 Animal Shelters & Kennels-Veterinarian	$1.81	$1.81
8832 Medical Office-Doctor-Dentist-Chiropractor-Optometrist	$0.31	$0.31
8835 Home Healthcare Workers	$1.62	$1.62
8842 Group Homes-Temporary Shelters-Disability Facility	$3.52	$3.52
8857 Social Service Organizations-Counseling-Family Services	$0.57	$0.57
8868 Religious Organizations-Church-Temple	$0.50	$0.50
8869 Child Care Center-Daycare Providers	$1.27	$1.27
9012 Property Management-Leasing Agent	$1.73	$1.73
9014 Janitorial Service Contractor	$4.12	$4.12
9015 Building Maintenance-Campgrounds-Camps-RV Parks	$4.50	$4.50
9052 Hotels & Motels	$2.27	$2.27
9060 Golf Courses & County Clubs	$1.72	$1.72
9063 Fitness Center-Health Clubs-YMCA Programs	$1.46	$1.46
9082 Restaurants-Catering	$1.83	$1.83
9083 Fast Food Restaurant-Concessions-Doughnut Shop	$1.58	$1.58
9083* Mobile Food Truck-Food Cart	$1.58	$1.58
9084 Bars - Taverns - Nightclubs	$1.91	$1.91
9102 Lawn Service & Maintenance	$2.70	$2.70
9402 Septic Tank Cleaning-Portable Toilets	$4.76	$4.76
9403 Refuse Collection-Garbage-Trash Service	$9.62	$9.62
9519 Electrical Equipment Repair and Service	$6.20	$6.20

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 coverage with a private insurance company can purchase coverage through WCRB as a last resort. Rates vary by workers comp class codes. Get a quote for Wisconsin or shop for out-of-state workers compensation insurance coverage today.

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State Resources for Wisconsin

Wisconsin Department of Workforce Development

Workers' Compensation Division
P.O. Box 7496
Madison, WI 53707-3131
608-266-3131
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 an Independent Bureau State. The WCRB adminsiters the Wisconsin Workers' Compensation Insruance Pool.

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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.