Workers compensation rate filings in Massachusetts (2026)
Every carrier writing workers compensation coverage in Massachusetts files its rates and rating rules with the state's insurance regulator — the primary-source records behind every workers compensation quote in Massachusetts. This page tracks the 35 active workers compensation filing(s) on record for Massachusetts, filed by 1 distinct carrier(s).
A workers compensation premium in Massachusetts is built from each carrier's filed base rates and rating rules applied to your business's exposure — the classification of your operation and the rating basis for this line. Because every carrier files its own rates and loadings, two Massachusetts businesses with the same profile can be quoted very different workers compensation premiums, which is exactly why comparing multiple carriers is the only reliable way to see where you land.
Carriers with workers compensation filings on record in Massachusetts include Workers' Compensation Rating & Inspection Bureau of Massachusetts (WCRIBMA). These are filings on record — Massachusetts's public system reports the carrier, line, and effective date but not the rate-change magnitude for every row. Where a base rate is filed, values run from $0.04 to $8.31 on the filed rating basis. The most-recent workers compensation filing we track for Massachusetts is effective July 2024. Every row below cites its filing reference so the Massachusetts regulator record can be verified.
Recent rate-filing activity — 8 state filings across 1 commercial line
Commercial carriers can't charge whatever they want — each state's Department of Insurance must approve loss-cost filings before they take effect. These are primary-source, government-held records available on SERFF Filing Access. Cited below: the most-recent active filings affecting commercial operations, each cited to the regulator or bureau filing it came from.
| Line | State | Overall change | Effective | SERFF tracking |
|---|---|---|---|---|
| WC | MA | per $100 payroll (MA administered manual rate) | Jul 1, 2024 | MA-WCRIBMA-2024-07-0005 |
| WC | MA | per $100 payroll (MA administered manual rate) | Jul 1, 2024 | MA-WCRIBMA-2024-07-9586 |
| WC | MA | per $100 payroll (MA administered manual rate) | Jul 1, 2024 | MA-WCRIBMA-2024-07-9403 |
| WC | MA | per $100 payroll (MA administered manual rate) | Jul 1, 2024 | MA-WCRIBMA-2024-07-9402 |
| WC | MA | per $100 payroll (MA administered manual rate) | Jul 1, 2024 | MA-WCRIBMA-2024-07-9015 |
| WC | MA | per $100 payroll (MA administered manual rate) | Jul 1, 2024 | MA-WCRIBMA-2024-07-9014 |
| WC | MA | per $100 payroll (MA administered manual rate) | Jul 1, 2024 | MA-WCRIBMA-2024-07-8810 |
| WC | MA | per $100 payroll (MA administered manual rate) | Jul 1, 2024 | MA-WCRIBMA-2024-07-8748 |
Source: SERFF Filing Access (filingaccess.serff.com) — the official public-records interface for state Department of Insurance filings. Loss-cost changes shown are the overall bureau-wide change in each state; the actual impact on your quote depends on your class code, payroll, experience modifier, and carrier-specific loss-cost multiplier (LCM). Get a quote for your exact numbers.
Carriers writing workers compensation in Massachusetts
44 carrier groups have an active workers compensation filing footprint in Massachusetts (974 filings observed in the public SERFF record). Most active by volume: Liberty Mutual, CNA, Travelers, MEMIC, Old Republic, AmGUARD.
Carrier market presence from public SERFF activity — a signal of who competes for this coverage here, not a price or a rate.
Compare Massachusetts workers compensation carriers →Workers' Compensation Rating & Inspection Bureau of Massachusetts (WCRIBMA) filed MA-WCRIBMA-2024 effective July 2024 (active). Workers' Compensation Rating & Inspection Bureau of Massachusetts (WCRIBMA) filed MA-WCRIBMA-2024 effective July 2024 (active). Workers' Compensation Rating & Inspection Bureau of Massachusetts (WCRIBMA) filed MA-WCRIBMA-2024 effective July 2024 (active). Workers' Compensation Rating & Inspection Bureau of Massachusetts (WCRIBMA) filed MA-WCRIBMA-2024 effective July 2024 (active). Workers' Compensation Rating & Inspection Bureau of Massachusetts (WCRIBMA) filed MA-WCRIBMA-2024 effective July 2024 (active). Workers' Compensation Rating & Inspection Bureau of Massachusetts (WCRIBMA) filed MA-WCRIBMA-2024 effective July 2024 (active). Workers' Compensation Rating & Inspection Bureau of Massachusetts (WCRIBMA) filed MA-WCRIBMA-2024 effective July 2024 (active). Workers' Compensation Rating & Inspection Bureau of Massachusetts (WCRIBMA) filed MA-WCRIBMA-2024 effective July 2024 (active). Workers' Compensation Rating & Inspection Bureau of Massachusetts (WCRIBMA) filed MA-WCRIBMA-2024 effective July 2024 (active). Workers' Compensation Rating & Inspection Bureau of Massachusetts (WCRIBMA) filed MA-WCRIBMA-2024 effective July 2024 (active). Workers' Compensation Rating & Inspection Bureau of Massachusetts (WCRIBMA) filed MA-WCRIBMA-2024 effective July 2024 (active). Workers' Compensation Rating & Inspection Bureau of Massachusetts (WCRIBMA) filed MA-WCRIBMA-2024 effective July 2024 (active). Workers' Compensation Rating & Inspection Bureau of Massachusetts (WCRIBMA) filed MA-WCRIBMA-2024 effective July 2024 (active). Workers' Compensation Rating & Inspection Bureau of Massachusetts (WCRIBMA) filed MA-WCRIBMA-2024 effective July 2024 (active). Workers' Compensation Rating & Inspection Bureau of Massachusetts (WCRIBMA) filed MA-WCRIBMA-2024 effective July 2024 (active). Workers' Compensation Rating & Inspection Bureau of Massachusetts (WCRIBMA) filed MA-WCRIBMA-2024 effective July 2024 (active). Workers' Compensation Rating & Inspection Bureau of Massachusetts (WCRIBMA) filed MA-WCRIBMA-2024 effective July 2024 (active). Workers' Compensation Rating & Inspection Bureau of Massachusetts (WCRIBMA) filed MA-WCRIBMA-2024 effective July 2024 (active). Workers' Compensation Rating & Inspection Bureau of Massachusetts (WCRIBMA) filed MA-WCRIBMA-2024 effective July 2024 (active). Workers' Compensation Rating & Inspection Bureau of Massachusetts (WCRIBMA) filed MA-WCRIBMA-2024 effective July 2024 (active). Workers' Compensation Rating & Inspection Bureau of Massachusetts (WCRIBMA) filed MA-WCRIBMA-2024 effective July 2024 (active). Workers' Compensation Rating & Inspection Bureau of Massachusetts (WCRIBMA) filed MA-WCRIBMA-2024 effective July 2024 (active). Workers' Compensation Rating & Inspection Bureau of Massachusetts (WCRIBMA) filed MA-WCRIBMA-2024 effective July 2024 (active). Workers' Compensation Rating & Inspection Bureau of Massachusetts (WCRIBMA) filed MA-WCRIBMA-2024 effective July 2024 (active). Workers' Compensation Rating & Inspection Bureau of Massachusetts (WCRIBMA) filed MA-WCRIBMA-2024 effective July 2024 (active). Workers' Compensation Rating & Inspection Bureau of Massachusetts (WCRIBMA) filed MA-WCRIBMA-2024 effective July 2024 (active). Workers' Compensation Rating & Inspection Bureau of Massachusetts (WCRIBMA) filed MA-WCRIBMA-2024 effective July 2024 (active). Workers' Compensation Rating & Inspection Bureau of Massachusetts (WCRIBMA) filed MA-WCRIBMA-2024 effective July 2024 (active). Workers' Compensation Rating & Inspection Bureau of Massachusetts (WCRIBMA) filed MA-WCRIBMA-2024 effective July 2024 (active). Workers' Compensation Rating & Inspection Bureau of Massachusetts (WCRIBMA) filed MA-WCRIBMA-2024 effective July 2024 (active).
Workers' Compensation covers medical bills and lost wages for Massachusetts employees injured on the job, and is mandatory in Massachusetts once a business has staff.
Across Massachusetts, workers compensation carriers earned about $1.4B in premiums at a 53.7% loss ratio and a 8.9% underwriting profit (NAIC 2023). That market-level result comes from the NAIC Report on Profitability by Line by State — a primary-source view of how workers compensation actually performs in Massachusetts, beyond any single carrier's filing.
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Key takeaways for Massachusetts workers compensation
- Massachusetts workers compensation rate filings are public, primary-source records — every figure here traces to a filing reference you can verify with the state regulator.
- Your actual Massachusetts workers compensation premium depends on your classification, exposure basis, and each carrier's filed rates and loadings — the filings below are the starting point, not a single market price.
- Comparing quotes from multiple carriers is the only way to see how Massachusetts workers compensation rates differ for your specific operation.
Get a real Massachusetts workers compensation quote
Bureau loss-cost filings are the regulator-approved starting point — carrier premium depends on your class code, payroll, experience modifier, schedule credits/debits, and the carrier's loss-cost multiplier (LCM). Request a free Massachusetts quote in under 90 seconds.
Get a free Massachusetts quote → See what workers compensation insurance costs →Go deeper on workers compensation
- Workers' comp class codes & loss costs — hub
- Workers compensation loss ratios & profitability by state (NAIC)
- Deep data study: Workers compensation by state
- What workers compensation insurance costs
- All Massachusetts rate filings (all lines)
- Rate filings by state — directory
- National Rate Change Tracker
- How insurance rates are set — methodology
Figures summarized here are drawn from public Massachusetts Department of Insurance rate filings and, where shown, the NAIC Report on Profitability by Line by State — each traceable to its source. No proprietary rating-manual content is reproduced. See our full sourcing policy.