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Calculadora del costo de compensación de trabajadores en California

Escriba su nómina anual por tipo de trabajo. La calculadora multiplica cada nómina por la tarifa pura que el Comisionado de Seguros de California aprobó con vigencia del 1 de septiembre de 2025 para esa clase WCIRB y aplica su factor de experiencia. Es la misma aritmética con la que empieza toda aseguradora; luego cada una agrega su propia tarifa registrada, créditos o débitos, y las cuotas del estado.

Rates: WCIRB September 1, 2025 advisory pure premium rates as approved by the Insurance Commissioner on July 11, 2025 (statewide average $1.52 per $100). Method: codes 8810, 8871, 9081 and 7382 use the published approved figures; the rest apply the approved-to-proposed ratio (1.52 ÷ 1.56) to the WCIRB's filed table and are rounded to the cent, so they can differ by a few cents from the official file. Publicado 2026-10-04 por Insurance City Agency, LLC, CA License #6003045. Revisado por Santo Militello, agente de Propiedad y Accidentes con licencia de California (CA License #1737723).

Cómo se calcula el número

Premium = payroll ÷ 100 × class rate × experience modification. Payroll and classification do almost all the work. Under the approved 9/1/2025 rates, clerical office employees (8810) rate at $0.20 per $100 of payroll, a restaurant (9081) at $2.53, a retail store (8017) at about $2.73, general carpentry (5403) at about $11.31, and roofing (5551) at about $13.59. Same payroll, premiums more than 60× apart. (Source: Insurance Commissioner decision, 9/1/2025 rates; WCIRB filing table.)

The pure premium rate covers expected losses and the cost of handling claims. Each insurer files its own rates above it with the Department of Insurance, and then applies schedule credits or debits for your safety program, years in business and claims history. That is why the result shows a range: in practice, carrier pricing lands roughly between the pure premium figure and about 1.6× it, before fees and the state assessments.

Misma nómina, por clase de trabajo

Prima pura anual estimada con $250,000 de nómina, factor 1.00:

Qué cambia su cotización real

• Classification. Carriers classify by what each employee actually does, and the WCIRB audits it. Misclassifying field workers as clerical is the most common premium surprise at audit.
• Experience modification. Assigned by the WCIRB once your premium passes the eligibility threshold; new businesses start at 1.00 and drop below it after claim-free years.
• Payroll estimates vs. audit. The policy is priced on your estimate and trued up at audit. See how the payroll audit works.
• Owners and officers. Including or excluding them changes payroll and premium; the rules depend on entity type.
• Subcontractors. Uninsured subs get picked up on your audit as if they were employees.

Preguntas frecuentes

How is California workers' comp premium calculated? Nómina anual divided by 100, multiplied by the rate for your WCIRB classification, multiplied by your experience modification. Carriers then apply their own filed rate deviation, schedule credits or debits, and fees and assessments.

What is a pure premium rate? The advisory rate per $100 of payroll that the WCIRB files and the Insurance Commissioner approves for each classification. It covers losses and loss adjustment expense only; it is a floor for comparison, not a quote.

Is this a quote? No. A real quote needs your exact classification, payroll by class, experience mod and the carrier's filed rates. A licensed agent at Insurance City runs that for you, usually the same business day.

Related: Workers' compensation insurance · Getting workers' comp with two employees · Who can be excluded.