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WORKERS' COMP · MASSACHUSETTS

Workers' comp in Massachusetts.

Massachusetts requires workers' comp from the first employee. Massachusetts's own rating bureau publishes its own manual; most numbers match NCCI's. You buy coverage from carriers.

REQUIRED
From the first employee
RATING BUREAU
WCRIBMA
CLASS CODES
Own manual, mostly NCCI numbers
BUY FROM
Carriers
WHO MUST CARRY IT

Required from the first employee.

The rule

Massachusetts requires workers' comp from the first employee.

Source: Department of Industrial Accidents, Workers' Compensation Insurance Requirements, checked October 5, 2026.

Coverage rules: Department of Industrial Accidents, Workers' Compensation Insurance Requirements, checked October 5, 2026.

CLASS CODES HERE

Massachusetts's own rating bureau publishes its own manual; most numbers match NCCI's.

Rating bureau

Massachusetts has its own rating bureau, the Workers' Compensation Rating and Inspection Bureau of Massachusetts (WCRIBMA).

Workers' Compensation Rating and Inspection Bureau of Massachusetts (WCRIBMA)

Class system

Its own manual; most codes on our pages are in it under NCCI's numbers.

Manual: Massachusetts Workers Compensation and Employers Liability Insurance Manual

Codes on our pages

Most codes on our pages are in Massachusetts's list; the exceptions are below.

All class codes, by industry

Numbered or scoped differently

In Massachusetts's list

List: WCRIBMA, Massachusetts Workers Compensation and Employers Liability Insurance Manual, Part Two: Classifications, read from an archived copy dated December 14, 2025.

ESTIMATE YOUR PREMIUM

Your payroll, your rate, before discounts and assessments.

Your rate comes from carriers that actively write the class.

Payroll in this class
Codes on our pages that are in Massachusetts's list. An advisor confirms your class codes.
Gross pay for the work in this class. Pre-tax deductions (401(k), Section 125) count. Overtime premium (the extra half) usually does not. Check your state's rules.
For the cost per employee.
PAY FREQUENCY
Your rating
From your quote or policy. Where loss costs are filed instead of rates, as in Texas, they leave out the carrier's expenses and are lower than your rate.
Compares your payroll and claims with the average employer in the same class codes. At 1.00 premium is unchanged; below 1.00 it drops, above 1.00 it rises.
SCHEDULE RATING
0 if your quote shows none.
If your quote shows one.
ESTIMATED ANNUAL PREMIUM · THIS CLASS
Enter your rate
Before discounts and assessments.

Worklio Insurance bills pay-as-you-go comp with each payroll, no deposit; the audit usually confirms what you've already paid.

Not included: premium discount on larger policies, state assessments, terrorism and catastrophe charges, minimum premium.Get a real quote

COMMON QUESTIONS

Do I need workers' comp in Massachusetts?
Yes. Massachusetts requires workers' comp from the first employee.
Who sets class codes in Massachusetts?
Massachusetts's own rating bureau, the Workers' Compensation Rating and Inspection Bureau of Massachusetts (WCRIBMA). Its own manual; most codes on our pages are in it under NCCI's numbers. An advisor confirms your class codes.
Is Worklio Insurance licensed in Massachusetts?
Worklio Insurance Services LLC's producer is licensed in Massachusetts, and the agency license there has been applied for. See insurance licenses

SOURCES

Figures as of December 14, 2025.

For planning, not a quote or a classification ruling. An advisor confirms your class codes with your carrier.

MORE ON WORKERS' COMP

ALL STATESWorkers' comp by stateWho must carry it, who sets class codes and where to buy, in each state.ALL CLASS CODESEvery code, by industryOffice, sales and the codes for each industry we serve.COVERAGEWorkers' compPay-as-you-go premiums billed with each payrollWORKLIO HCMPayroll taxes in MassachusettsEmployer payroll tax rates, on Worklio HCM.

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