How it works: pick the WCIRB classification closest to your main operation, enter annual payroll for that class, and your experience modification if you have one (leave 1.00 if not). You'll get an illustrative 2026 premium range based on typical filed-market rates — an estimate to orient you, not a quote. Real pricing depends on your carrier, claims history, payroll mix, and credits.
Read this: ranges reflect typical 2026 California filed-market rates per $100 of payroll at the stated class, multiplied by your payroll and x-mod. They are illustrative only — not a quote, not an offer of coverage, and not carrier-specific. Dual-wage construction classes assume documented wages; undocumented payroll rates at the higher code. Actual premiums vary materially by carrier appetite, claims history, credits/debits, and payroll composition. California rates are filed by each carrier and change; talk to a licensed broker for real numbers.
Three levers dominate: classification (verify the governing class actually describes your operation — misclassification is the most common overcharge we find; see the class-code guide), dual-wage documentation (construction pairs like 5183/5187 can differ by near half — provable wages decide which you pay), and the x-mod (our California X‑Mod Index shows the median debit-rated employer at 1.29 — and that the climb is catchable early).
We quote California workers' comp across 50+ A-rated markets, audit the classification schedule on every account, and reply the same business day.
Get a real quoteOr call (818) 356-8150.
This tool provides general illustrative estimates, not insurance advice, quotes, or offers of coverage. Thrive Risk Management Insurance Solutions, Inc., CA License #6012320.