Workers’ CompWashington
Pick your industry, monthly hours worked and claims history to see an illustrative monthly workers' compensation cost guide for a Washington business. Washington State Fund 2026 composite base rates published by Washington Labor & Industries.
It's an illustrative estimate, not a quote. Real premiums depend on your exact classification codes, experience modification, insurer, underwriting and safety record.
Washington State Fund premiums are rated on hours worked rather than payroll. The calculator therefore multiplies total monthly employee hours by the selected 2026 composite base rate. Painting, carpentry, concrete and auto repair use equal-weight blends where the generic product category spans multiple Washington risk classes. Pool cleaning uses janitorial-services class 6602 as the closest cleaning-services proxy. Retail uses class 6406 as a broad general-retail proxy.
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*Illustrative estimate only — not an insurance quote. Washington State Fund 2026 composite base rates published by Washington Labor & Industries. Washington State Fund premiums are rated on hours worked rather than payroll. The calculator therefore multiplies total monthly employee hours by the selected 2026 composite base rate. 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.
Washington State Fund premiums are rated on hours worked rather than payroll. The calculator therefore multiplies total monthly employee hours by the selected 2026 composite base rate. Painting, carpentry, concrete and auto repair use equal-weight blends where the generic product category spans multiple Washington risk classes. Pool cleaning uses janitorial-services class 6602 as the closest cleaning-services proxy. Retail uses class 6406 as a broad general-retail proxy.
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.