Independent tool, not an insurer or broker
WorkCompCalc.io is a free, independent calculator built to give small business owners a quick, directional estimate of what workers' compensation insurance might cost before they talk to a broker or carrier.
The estimate is built on the standard workers' comp premium formula used across the industry: payroll divided by 100, multiplied by a class code base rate, a state rating factor, and your experience modifier. The class code base rates and state factors shown reflect commonly published national averages as of 2025 — they are reference figures for comparison, not quotes from any insurer.
WorkCompCalc.io is not an insurance company, broker, or agent, and we are not affiliated with The Hartford, Employers, Hiscox, CNA, Liberty Mutual, Simply Business, or any other carrier referenced on this site — those names appear only as examples of the kind of carriers that typically serve a given risk profile. We do not sell insurance, collect quote requests, or share your data with any carrier.
Actual workers' comp premiums are set by licensed carriers based on underwriting, your real claims history, state-specific rating rules, and audited payroll — all of which can differ meaningfully from the estimate this calculator produces. Before purchasing a policy or making coverage decisions, get a formal quote from a licensed insurance broker or carrier in your state.
If you spot outdated rate data or have suggestions for the calculator, you're welcome to reach out through the contact details on our privacy policy page.