Workers' Comp Estimator
Select your trade, enter your payroll details, and see an estimated workers' comp premium — including annual cost, monthly cost, and cost per employee per hour.
How This Calculator Works
Select your trade from 15 classifications, then enter your number of employees, average hourly rate, hours per week, and Experience Modification Rate (EMR). The calculator estimates your premium instantly.
You'll see your estimated annual and monthly premium, cost per hour per employee, and cost per employee per year — all adjusted for your trade's risk level and your safety record.
Workers' comp is one of your biggest costs, especially in high-risk trades like roofing. This estimator helps you budget accurately and see how improving your EMR can save you thousands.
Estimate Your Premium
1.0 = average. Lower is better.
Your estimate will appear here
Select your trade and enter payroll details to estimate your workers' comp premium.
Workers' Comp Is a Major Cost
For contractors, workers' comp insurance can be one of the largest line items on your P&L. Know the number so you can price it into every job.
Rates by Trade
Workers' comp rates vary widely by trade — roofing can be 10x higher than office work. Select your trade to see rates specific to your industry.
See the Per-Hour Cost
Know exactly how much workers' comp adds to your hourly labor cost. This is critical for accurate job pricing and bid estimates.
Factor in Your EMR
Your Experience Modification Rate (EMR) directly impacts your premium. An EMR below 1.0 means you're safer than average and pay less. Above 1.0 means you pay more.
How to Pay Your Crew 20% More and Double Your Profit
The math most contractors never run — and the mistakes that cost them $93K+ a year. This free PDF breaks down the math in ten minutes. Plus, you'll understand the payroll traps that can wipe you out.
Ready to Stop Wasting Time on Payroll?
Track piece work, run payroll in minutes, and know exactly what every job costs. Free to start — no credit card required.