Workers' compensation insurance rates in the District of Columbia are some of the lowest rates in the country. As of 2022, DC work comp rates were about 25% below the national average. This ranks Washington DC as the 10th cheapest place in the country to purchase workers' comp coverage.
DC is an NCCI state like most other states. This means that NCCI oversees employers' experience modifiers and collects all data for the state including claims, class codes, premiums, and payroll. They analyze this data and make annual recommendations to carriers and to the DC Department of Insurance. Every Insurance company is required to file their rates with the state for approval each year.
Workers' compensation rates may still vary for the same class codes in DC because insurance companies can apply policy credits and debits up to 25% to adjust their filed rates. More discounts may also be added to a policy depending on the size of payroll and overall claims experience.
Don't pay too much for your workers' comp coverage. Our agents know how to get you the lowest rates for your business. Call us today to find out how knowledegeable agents, expert advice and more choices lead to the best workers' comp rates.
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What influences my workers comp insurance cost?
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.
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.
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.
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.
Rates for State Class Codes. Select Codes Listed:
The workers' compensation rates listed below for the District of Columbia represent the low and high insurance rates we've found for 2024. District of Columbia rates are governed by the District of Columbia Department of Employment Services. Insurance companies are allowed to offer discounts and premium credits on DC workers' comp policies. We offer Pay As You Go workers' comp in DC. Not all employers will qualify for the lowest rates available or maximum policy credits.
| Class Code & Description | Low Rate | High Rate |
|---|---|---|
| 0035 Farm-Planting & Harvesting-Cannabis Growers | $1.42 | $2.67 |
| 0042 Landscaping Service | $2.82 | $5.30 |
| 0106 Tree Trimming-Pruning-Removal | $5.08 | $9.56 |
| 0917 Residential cleaning Services-Housekeepers | $2.51 | $4.72 |
| 2121 Breweries-Craft Beers | $0.65 | $1.22 |
| 2143 Winery-Wine Makers | $1.33 | $2.50 |
| 2585 Carpet Cleaning | $2.08 | $3.91 |
| 2589 Dry Cleaning & Laundry Service | $1.09 | $2.05 |
| 3632 Machine Shop | $1.40 | $2.63 |
| 3724 Garage Door Installation | $2.31 | $4.35 |
| 3821 Salvage Yard-Automobile Recycling | $3.51 | $6.60 |
| 5022 Masonry Construction | $4.08 | $7.67 |
| 5102 Door & Window Installers | $4.28 | $8.05 |
| 5183 Plumbing Contactors | $2.11 | $3.97 |
| 5190 Electrical Work-Electrician | $1.82 | $3.42 |
| 5221 Concrete Work-Flat Work-Cement | $3.93 | $7.39 |
| 5223 Pool Installation & Pool Maintenance | $3.19 | $6.00 |
| 5348 Ceramic, Tile & Stone Work | $2.49 | $4.68 |
| 5437 Trim-Finish Carpenters-Cabinets-Countertops | $4.36 | $8.20 |
| 5445 Drywall Contractors | $3.37 | $6.34 |
| 5474 Painting Contractor | $2.89 | $5.44 |
| 5478 Floor Installers-Wood-Carpet-Laminate | $2.68 | $5.04 |
| 5535 Metal Building Construction | $3.14 | $5.91 |
| 5537 HVAC-Heating & Cooling Service/Repair | $2.23 | $4.19 |
| 5537* Solar Energy Contractors-Installation | $2.23 | $4.19 |
| 5551 Roofing Contractors | $8.01 | $15.07 |
| 5606 Asphalt & Paving Work | $0.91 | $1.71 |
| 5645 Residential Construction-Home Builders-Remodelers-Siding | $5.66 | $10.65 |
| 6217 Excavation & Grading Work | $3.15 | $5.93 |
| 6400 Fence Installation & Repair | $3.21 | $6.04 |
| 7219 Trucking Short & Long Haul | $5.12 | $9.63 |
| 7225 Towing Company | $3.64 | $6.85 |
| 7230 Package & Parcel Delivery | $4.63 | $8.71 |
| 7370 Non-Emergency Medical Transport-Taxi- Limo-Airport Shuttle | $2.51 | $4.72 |
| 7605 Alarm Installation & Repair | $1.08 | $2.03 |
| 7720 Security Guards-Patrol Officers | $1.34 | $2.52 |
| 8006 Gas Stations Convenience Stores | $1.29 | $2.43 |
| 8017 Retail Stores-Merchandise-Cannabis Dispensary | $0.65 | $1.22 |
| 8292 Warehouse & Storage Facility | $1.81 | $3.40 |
| 8380 Auto Service & Repair-Mechanic | $1.81 | $3.40 |
| 8393 Auto Body Repair | $1.01 | $1.90 |
| 8742 Sales Professional | $0.11 | $0.21 |
| 8810 Clerical-Office Employee | $0.06 | $0.11 |
| 8824 Retirement Living Centers-Congregate Communities | $1.47 | $2.77 |
| 8829 Nursing Homes & Assisted Living Facilities | $0.95 | $1.79 |
| 8831 Animal Shelters & Kennels-Veterinarian | $0.95 | $1.79 |
| 8832 Medical Office-Doctor-Dentist-Chiropractor-Optometrist | $0.18 | $0.34 |
| 8835 Home Healthcare Workers | $0.95 | $1.79 |
| 8842 Group Homes-Temporary Shelters-Disability Facility | $1.31 | $2.46 |
| 8864 Social Service Organizations-Counseling-Family Services | $0.73 | $1.37 |
| 8868 Religious Organizations-Church-Temple | $0.18 | $0.34 |
| 8869 Child Care Center-Daycare Providers | $0.64 | $1.20 |
| 9012 Property Management-Leasing Agent | $0.42 | $0.79 |
| 9014 Janitorial Service Contractors-Pest Control-Exterminating-Chimney | $1.66 | $3.12 |
| 9015 Building Maintenance-Campgrounds-Camps-RV Parks | $1.47 | $2.77 |
| 9052 Hotels & Motels | $1.18 | $2.22 |
| 9060 Golf Courses & Country Clubs | $0.94 | $1.77 |
| 9063 Fitness Centers-Health Clubs-YMCA Programs | $0.49 | $0.92 |
| 9082 Restaurants-Catering | $0.71 | $1.34 |
| 9083 Mobile Food Truck-Food Cart | $0.75 | $1.41 |
| 9083* Fast Food Restaurant-Concessions-Doughnut Shop | $0.75 | $1.41 |
| 9084 Bars-Taverns-Nightclubs | $0.73 | $1.37 |
| 9102 Lawn Service & Maintenance | $1.76 | $3.31 |
| 9180 shooting Range-Amusement park | $2.78 | $5.23 |
| 9402 Septic Tank Cleaning-Portable Toilets | $3.74 | $7.03 |
| 9403 refuse Collection-Garbage-Trash Service | $5.47 | $10.29 |
| 9516 Electrical Equipment Repair & Sr vice | $2.01 | $3.78 |
Washington DC workers' comp rates vary by industry classification codes and insurance company underwriting guidelines. Employers' who have an Experience Modification Rating (E-MOD or EMR Rating) assigned to their business may have additional credits or debits applied to their insurance rates based on prior premiums and workers' compensation losses. NCCI administers all Assigned Risk policies as there is not a State Fund in DC.
