Resources & Tools
Free workers' comp tools for business owners.
Estimate premiums, look up class codes, check state requirements. Built by a licensed insurance agency — no sign-up, no email gate.
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Calculators & Lookups
Workers' Comp Cost Calculator
Estimate your annual workers' compensation premium based on state, class code, payroll, and experience mod.
Open toolClass Code Lookup
Search hundreds of NCCI and WCIRB workers' compensation class codes by code number or description.
Open toolDo I Need Workers' Comp?
Check your state's requirements, employee thresholds, and owner exemption rules.
Open toolPayroll Audit Checklist
Year-end audit prep: what to gather, common mistakes, and how to avoid overpaying.
Certificate of Insurance Checklist
Subcontractor COI review: required coverages, waivers, and red flags to watch for.
Experience Mod (EMR) Explainer
Understand how your mod is calculated and what you can do to lower it.
Quote Documents Checklist (PDF)
A printable list of everything carriers need to quote your workers' comp policy.
Common Questions
About these tools
Are these workers' comp tools free?
Yes. All tools on the WC Insurance Quotes resources page are free to use with no account, email signup, or credit card required. The cost calculator, class code lookup, and state requirement checker are provided as a public resource by KGIB, Inc., a licensed insurance agency serving 23 states.
How accurate is the workers' comp cost calculator?
The cost calculator uses real state-level manual rates from the Oregon DCBS 2024 Premium Rate Ranking study, an authoritative cross-state comparison published since 1986. Estimates reflect industry-average rates that include loss cost multipliers and state assessments. Actual premiums vary by carrier, schedule credits, deductibles, and underwriting — for a real quote, submit a quote request.
What is the difference between NCCI and WCIRB class codes?
NCCI (National Council on Compensation Insurance) maintains class codes for 35 states plus DC. California uses its own rating bureau — WCIRB (Workers' Compensation Insurance Rating Bureau) — with proprietary codes for some industries, most notably restaurants and food service. The class code lookup tool covers both systems.
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