Workers Comp Rates in Massachusetts (MA)

Massachusetts workers comp rates are approximately 25% above the national average. Here's what Massachusetts business owners need to know about classification and premiums.

Massachusetts Workers Comp Overview

Massachusetts has mandatory coverage and above-average rates. The Workers' Compensation Rating and Inspection Bureau (WCRIB) handles classifications. Healthcare and construction businesses in MA face particularly high premiums.

How Massachusetts Rates Compare

With a state modifier of 1.25x, a business in Massachusetts paying $10,000 in base premium nationally would pay approximately $12,500 in MA. This makes proper classification even more important in high-rate states like Massachusetts — every misclassified employee costs more.

The most impactful thing a Massachusetts business owner can do is ensure that office, clerical, and administrative employees are coded separately from their operational staff. In MA, the difference between a clerical code (8810 at $0.16/$100) and a construction code (5403 at $9.42/$100) is massive — and that gap is amplified by the state modifier.

This guide is for informational purposes only and is not insurance advice. Massachusetts rates and requirements are subject to change.