The good news for employers in the District of Columbia is that workers’ compensation insurance rates in this city are among the lowest in the country. Your costs will be based on the number of employees you have, how much they are paid, the types of jobs they do, and your company's history of accidents and workers’ compensation claims.
In Washington, D.C., every type of job is assigned a base rate for coverage. These rates are set by the D.C. Department of Insurance with input from the NCCI. Workers' compensation insurance companies must use these base rates, but can raise or lower premiums up to 25% based on discounts, incentives, and claims histories.
Let's look at some workers' compensation insurance cost ranges for a few different kinds of jobs in Washington, D.C. These are rates for every $100 of employer payroll.
- Landscapers: $2.82 to $5.30
- Plumbing contractors: $2.11 to $3.97
- Roofing contractors: $8.01 to $15.07
- Retail store workers: $0.65 to $1.22
- Clerical workers: $0.06 to $0.11
- Restaurant workers: $0.71 to $1.34
As you can see, workers’ compensation rates are higher for jobs with an increased risk of injuries (like roofers) when compared to jobs with minimal risk (like office workers and retail store cashiers).
Companies with a good safety record will pay rates at the lower end of the price range, while companies with many serious worker injuries will pay rates at the higher end.