Workers’ CompMassachusetts
Pick your industry, monthly payroll and claims history to see an illustrative monthly workers' compensation cost guide for a Massachusetts business. Workers’ Compensation Rating and Inspection Bureau of Massachusetts Circular Letter 2432 manual rates effective July 1, 2024.
It's an illustrative estimate, not a quote. Real premiums depend on your exact classification codes, experience modification, insurer, underwriting and safety record.
Uses the published Massachusetts manual class rates from Circular Letter 2432. The calculator uses class-rate benchmarks only and does not add every minimum premium, expense constant, terrorism charge or other policy-level adjustment. HVAC uses sheet metal/heating-air-conditioning class 5538. Restaurant uses 9079. Pool cleaning uses janitorial class 9014 as the closest cleaning-services proxy. Carpentry and concrete use equal-weight blends.
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*Illustrative estimate only — not an insurance quote. Workers’ Compensation Rating and Inspection Bureau of Massachusetts Circular Letter 2432 manual rates effective July 1, 2024. Uses the published Massachusetts manual class rates from Circular Letter 2432. The calculator uses class-rate benchmarks only and does not add every minimum premium, expense constant, terrorism charge or other policy-level adjustment. The claims-history adjustment is a 10 Second Quotes product assumption, not an official experience modification or insurer rating factor. Actual premiums may vary substantially.
Uses the published Massachusetts manual class rates from Circular Letter 2432. The calculator uses class-rate benchmarks only and does not add every minimum premium, expense constant, terrorism charge or other policy-level adjustment. HVAC uses sheet metal/heating-air-conditioning class 5538. Restaurant uses 9079. Pool cleaning uses janitorial class 9014 as the closest cleaning-services proxy. Carpentry and concrete use equal-weight blends.
Claims history adjustment. 10 Second Quotes uses a simplified claims-history assumption solely to illustrate how prior claims may affect cost. It is not an official experience modification or insurer rating factor, and it does not calculate or predict the rating factor an insurer may apply.
These factors are 10 Second Quotes product assumptions for illustrative estimation only.