Workers Compensation Cost Calculator

ANA›Life Services Authority›National Calculator Authority›Workers Compensation Cost Calculator

.calc-container { max-width: 640px; margin: 2rem 0; padding: 1.5rem; background: #fff; border: 1px solid #ddd; border-radius: 8px; box-shadow: 0 1px 3px rgba(0,0,0,0.06); font-family: system-ui, -apple-system, sans-serif; } .calc-container h3 { font-family: Georgia, serif; font-size: 1.15rem; color: #1a1a1a; margin-bottom: 1rem; padding-bottom: 0.5rem; border-bottom: 2px solid var(--ac, #3d5a80); } .calc-row { display: flex; align-items: center; gap: 0.75rem; margin-bottom: 0.75rem; flex-wrap: wrap; } .calc-row label { min-width: 160px; font-size: 0.9rem; color: #333; font-weight: 500; } .calc-row input[type="number"], .calc-row select { flex: 1; min-width: 120px; max-width: 200px; padding: 0.5rem 0.6rem; border: 1px solid #ccc; border-radius: 4px; font-size: 0.9rem; font-family: system-ui, sans-serif; color: #1a1a1a; background: #fafaf8; } .calc-row input:focus, .calc-row select:focus { outline: none; border-color: var(--ac, #3d5a80); box-shadow: 0 0 0 2px rgba(26,74,138,0.12); } .calc-row .unit { font-size: 0.82rem; color: #888; min-width: 30px; } .calc-btn { display: inline-block; margin-top: 0.5rem; padding: 0.55rem 1.5rem; background: var(--ac, #3d5a80); color: #fff; border: none; border-radius: 4px; font-size: 0.9rem; font-weight: 600; cursor: pointer; font-family: system-ui, sans-serif; } .calc-btn:hover { opacity: 0.9; } .calc-result { margin-top: 1.25rem; padding: 1rem 1.25rem; background: #f0f6fc; border-left: 3px solid var(--ac, #3d5a80); border-radius: 0 6px 6px 0; display: none; } .calc-result.visible { display: block; } .calc-result-label { font-size: 0.78rem; text-transform: uppercase; letter-spacing: 0.06em; color: #666; margin-bottom: 0.25rem; } .calc-result-value { font-size: 1.6rem; font-weight: 700; color: var(--ac, #3d5a80); } .calc-result-detail { font-size: 0.85rem; color: #555; margin-top: 0.5rem; line-height: 1.5; } .calc-note { margin-top: 1rem; font-size: 0.8rem; color: #888; font-style: italic; } .calc-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 0.75rem; margin-top: 0.75rem; } .calc-grid-item { padding: 0.6rem 0.8rem; background: #f8f9fa; border-radius: 4px; border: 1px solid #eee; } .calc-grid-item .label { font-size: 0.75rem; color: #888; text-transform: uppercase; letter-spacing: 0.04em; } .calc-grid-item .value { font-size: 1.1rem; font-weight: 600; color: #1a1a1a; } @media (max-width: 720px) { .calc-row { flex-direction: column; align-items: flex-start; gap: 0.3rem; } .calc-row label { min-width: auto; } .calc-row input[type="number"], .calc-row select { max-width: 100%; width: 100%; } .calc-grid { grid-template-columns: 1fr; } } .calc-chart { margin: 1rem 0; text-align: center; } .calc-chart svg { max-width: 100%; height: auto; } .calc-chart-legend { display: flex; flex-wrap: wrap; justify-content: center; gap: 0.6rem 1.2rem; margin-top: 0.6rem; font-size: 0.8rem; color: #555; } .calc-chart-legend span { display: inline-flex; align-items: center; gap: 0.3rem; } .calc-chart-legend i { display: inline-block; width: 10px; height: 10px; border-radius: 2px; font-style: normal; } .calc-related { max-width: 640px; margin: 2rem 0 1rem; padding: 1.25rem 1.5rem; background: #f8f9fa; border: 1px solid #e8e8e8; border-radius: 8px; } .calc-related h3 { font-family: Georgia, serif; font-size: 1rem; color: #1a1a1a; margin: 0 0 0.75rem; padding-bottom: 0.4rem; border-bottom: 2px solid var(--ac, #3d5a80); } .calc-related-list { list-style: none; padding: 0; margin: 0 0 0.75rem; display: grid; grid-template-columns: 1fr 1fr; gap: 0.4rem 1.5rem; } .calc-related-list li a { font-size: 0.88rem; color: var(--ac, #3d5a80); text-decoration: none; } .calc-related-list li a:hover { text-decoration: underline; } .calc-browse-all { margin: 0.5rem 0 0; font-size: 0.9rem; font-weight: 600; } .calc-browse-all a { color: var(--ac, #3d5a80); text-decoration: none; } .calc-browse-all a:hover { text-decoration: underline; } @media (max-width: 720px) { .calc-related-list { grid-template-columns: 1fr; } }

Workers Compensation Cost Calculator

Estimate your annual workers compensation insurance premium based on payroll, classification rate, and experience modification factor.

Annual Payroll ($)

Total gross annual payroll for the employee group.

Classification Rate (per $100 of payroll)

Base rate assigned by NCCI or your state bureau for the job class (e.g., 1.50–15.00).

Experience Modification Factor (EMod)

1.00 = average risk. Below 1.00 = credit; above 1.00 = debit. Typical range: 0.50–2.00.

Schedule Credit/Debit (%)

Insurer-applied schedule modification. Enter negative for credit, positive for debit (−25% to +25%).

Expense Constant ($)

Fixed policy expense added by the insurer (typically $150–$350).

Calculate Premium

function worCalc() { var resultDiv = document.getElementById('wor-result'); resultDiv.style.display = 'none'; resultDiv.innerHTML = '';

var payroll = parseFloat(document.getElementById('wor-payroll').value); var classRate = parseFloat(document.getElementById('wor-class-rate').value); var emod = parseFloat(document.getElementById('wor-emod').value); var scheduleMod = parseFloat(document.getElementById('wor-schedule-mod').value); var expenseConst = parseFloat(document.getElementById('wor-expense-constant').value);

// --- Validation --- var errors = []; if (isNaN(payroll) || payroll 25) errors.push('Schedule Credit/Debit must be between -25% and +25%.'); if (isNaN(expenseConst) || expenseConst 0) { resultDiv.style.display = 'block'; resultDiv.innerHTML = 'Please fix the following:' + errors.map(function(e){ return ''; }).join('') + ''; return; }

// --- Core Formula --- // Step 1: Manual Premium = (Payroll / 100) × Classification Rate var manualPremium = (payroll / 100) * classRate;

// Step 2: Modified Premium = Manual Premium × EMod var modifiedPremium = manualPremium * emod;

// Step 3: Schedule-adjusted Premium = Modified Premium × (1 + scheduleMod/100) var scheduleAdjusted = modifiedPremium * (1 + scheduleMod / 100);

// Step 4: Standard Premium = Schedule-adjusted (before expense constant) var standardPremium = scheduleAdjusted;

// Step 5: Estimated Annual Premium = Standard Premium + Expense Constant var estimatedPremium = standardPremium + expenseConst;

// Effective rate per $100 var effectiveRate = (estimatedPremium / payroll) * 100;

// --- Format helpers --- function fmt(n) { return n.toLocaleString('en-US', {minimumFractionDigits: 2, maximumFractionDigits: 2}); }

var schedLabel = scheduleMod === 0 ? 'None (0%)' : (scheduleMod ' + 'Annual Payroll$' + fmt(payroll) + '' + 'Classification Rate$' + fmt(classRate) + ' per $100' + 'Manual Premium$' + fmt(manualPremium) + '' + 'Experience Mod (EMod)' + emod.toFixed(2) + '' + 'Modified Premium$' + fmt(modifiedPremium) + '' + 'Schedule Adjustment' + schedLabel + '' + 'Standard Premium$' + fmt(standardPremium) + '' + 'Expense Constant$' + fmt(expenseConst) + '' + 'Estimated Annual Premium$' + fmt(estimatedPremium) + '' + 'Effective Rate per $100 Payroll$' + fmt(effectiveRate) + '' + '' + '* This is an estimate. Actual premiums vary by insurer, state, and audit results.

'; }

#### Formula

Workers compensation premiums are calculated in sequential steps:

Example: $500,000 payroll × $2.50 rate ÷ 100 = $12,500 manual premium. × 0.90 EMod = $11,250. × (1 − 10%) = $10,125. + $200 expense = $10,325 estimated premium.

#### Assumptions & References

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References

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