Massachusetts Worker’s Compensation Rate Change
Effective July 1, 2023
The Commissioner of Insurance has approved a revision of workers’ compensation rates, effective July 1, 2023, applicable to policies that are new or renew on or after that date.
The most important items include:
- RATE LEVEL DECREASE OF 10.2%
The overall average decrease of 10.2% in the existing workers’ compensation average rates will vary by class. The average percentage change for Construction Class manual rates is a decrease of 12.5%. A listing of the revised Massachusetts manual rates for the most common construction classifications follows this letter. - EXPERIENCE RATING PLAN CHANGES
The Experience Rating Plan Expected Loss Rates and D-Ratios will be revised. The State Per Claim Accident Limitation (SPCAL) will remain at $350,000 and the State Multiple Claim Accident Limitation (SMCAL) of $700,000 will continue. - F – CLASSES – OVERALL RATE LEVEL DECREASE OF 15.6%
The overall average decrease of 15.6% in the existing workers’ compensation F- Class average rates will vary by class. - USL&HW ACT COVERAGE PERCENTAGE APPLICABLE TO NON-F CLASSIFICATIONS
The loading percentage applicable to USL&HW will be reduced from 19.6% to 16.0% (Multiply a Non-F classification rate by a factor of 1.16 to determine the total rate). Note, you must have USL&HW coverage added to your Workers Compensation policy by separate endorsement for coverage to apply. - SMALL DEDUCTIBLE CREDITS
The premium credits applicable to the election of small deductibles under either the Massachusetts Benefits Deductible Program or the Massachusetts Benefits Claim and Aggregate Deductible Program will be revised slightly downward. - NO CHANGES IN THE FOLLOWING:
- Expense Constants
- Loss Constants
- Admiralty Law and Federal Employers’ Liability Act classifications
- Merit Rating Program
- Massachusetts Construction Classification Premium Adjustment Program (“MCCPAP”)
- Premium Discount Tables A and B
Experience ratings and ARAP factors (including replacement of preliminary experience ratings and ARAP factors) effective July 1, 2023 and subsequent will be issued in due course using the new rating values.
MCCPAP Factors effective July 1, 2023 and subsequent will be revised in due course using the revised experience rating offset.
Please let us know if you have any questions.
Very truly yours,
DeSanctis Insurance Agency, Inc.
| WORK CLASSIFICATIONS | CODE | 7/01/22 Rates | 7/01/23 Rates | % CHG. '22 to '23 |
|---|---|---|---|---|
| LANDSCAPE GARDENING & DRIVERS | 0042 | 2.88 | 2.69 | -6.6% |
| WELDING OR CUTTING - NOC & DRIVERS | 3365 | 4.19 | 3.54 | -15.5% |
| MILLWRIGHT, MACHINERY OR EQUIPMENT ERECTION OR REPAIR NOC & DR | 3724 | 4.05 | 3.41 | -15.8% |
| BOILER INSTALLATION & REPAIR-STEAM | 3726 | 5.47 | 3.7 | -32.4% |
| CEILING INSTALLATION-SUSPENDED GRID TYPE | 5020 | 3.85 | 3.58 | -7.0% |
| MASONRY - NOC | 5022 | 9.14 | 7.08 | -22.5% |
| PAINTING METAL BRIDGES, AND METAL STRUCTURES >2 STORIES, SHOP OPS & DR | 5037 | 14.14 | 9.63 | -31.9% |
| IRON OR STEEL ERECTION-FRAME STRUCTURES, BALCONIES, FIRE ESCAPES | 5040 | 18.99 | 18.14 | -4.5% |
| IRON OR STEEL METAL BRIDGES | 5040 | 18.99 | 18.14 | -4.5% |
| IRON ORSTEEL ERECTION - NOC | 5057 | 18.45 | 14.53 | -21.2% |
| IRON/STEEL ERECTION-FRAME STRUCTURES | 5059 | 19.81 | 20.51 | 3.5% |
| DOOR -DOOR FRAME OR SASH ERECTION-METAL OR METAL COVERED | 5102 | 5.72 | 5.15 | -10.0% |
| IRON OR STEEL ERECTION - ORNAMENTAL, NON-STRUCTURAL & SASH | 5102 | 5.72 | 5.15 | -10.0% |
| ELEVATOR ERECTION OR REPAIR | 5160 | 2.48 | 2.67 | 7.7% |
| PLUMBING - NOC & DRIVERS | 5183 | 2.84 | 2.67 | -6.0% |
| AUTOMATIC SPRINKLER INSTALLATION & DR | 5188 | 3.53 | 2.96 | -16.1% |
| ELECTRICAL WIRING - WITHIN BUILDINGS & DRIVERS | 5190 | 2.17 | 1.84 | -15.2% |
| CONCRETE CONSTRUCTION-NOC | 5213 | 10.3 | 6.96 | -32.4% |
| CONCRETE -PRIVATE RESIDENCES -NO MONOLITHIC CONCRETE BLDG | 5215 | 3.83 | 4.11 | 7.3% |
| CONCRETE WORK, FLOORS, DRIVES, YDS, WALKS & DR | 5221 | 5.99 | 5.36 | -10.5% |
| CONCRETE CONST.-BRIDGES AND CULVERTS | 5222 | 8.31 | 6.79 | -18.3% |
| TILE - CERAMIC, STONE, MOSAIC OR TERRAZZO WORK - INSIDE | 5348 | 4.21 | 3.45 | -18.1% |
| CARPENTRY - NOC | 5403 | 8.17 | 6.74 | -17.5% |
| CARPENTRY -CABINET WORK, INTERIOR TRIM, FINISHED WOOD FLOORS | 5437 | 3.38 | 2.79 | -17.5% |
| LATHING & DRIVERS | 5443 | 3.24 | 2.36 | -27.2% |
| WALLBOARD INSTALLATION WITHIN BUILDINGS & DRIVERS | 5445 | 5.8 | 4.71 | -18.8% |
| GLAZIER-AWAY FROM SHOP & DRIVERS | 5462 | 5.04 | 4.78 | -5.2% |
| ASBESTOS REMOVAL OPS: PIPE AND BOILER EXCLUSIVELY & DR | 5472 | 7.02 | 6.63 | -5.6% |
| ASBESTOS REMOVAL OP: ASBESTOS CONTRCTR-NOC & DR | 5473 | 8.19 | 8.62 | 5.3% |
| PAINTING OR PAPERHANGING NOC & SHOP OPERATIONS & DRIVERS | 5474 | 3.69 | 3.66 | -0.8% |
| INSULATION WORK - NOC & DRIVERS | 5479 | 4.98 | 4.23 | -15.1% |
| PLASTERING NOC & DRIVERS | 5480 | 4.21 | 3.5 | -16.9% |
| STREET OR ROAD CONSTRUCTION - PAVING OR REPAVING & DRIVERS | 5506 | 4.73 | 4.2 | -11.2% |
| STREET OR ROAD CONSTRUCTION - SUB SURFACE WORK & DRIVERS | 5507 | 4.99 | 3.81 | -23.6% |
| ST. OR RD. CONSTRUCTION: ROCK EXCAVATION & DRIVERS | 5508 | 3.84 | 3.82 | -0.5% |
| SHEETMETAL WORK - SHOP & OUTSIDE -NOC & DRIVERS | 5538 | 3.77 | 3.1 | -17.8% |
| ROOFING - NOC & YARD EMP, DRIVERS | 5545 | 41.21 | 38.36 | -6.9% |
| ROOFING - BUILT UP INCLUDING YARD EMP & DRIVERS | 5547 | 10.07 | 8.56 | -15.0% |
| CONTRACTOR EXECUTIVE SUPERVISOR | 5606 | 1.16 | 0.98 | -15.5% |
| CARPENTRY/DWLGS. 3 STORIES OR LESS | 5645 | 6.09 | 5.37 | -11.8% |
| WRECKING: BUILDINGS OR STRUCTURES -NOT MARINE ALL OPERATIONS | 5701 | 18.51 | 12.63 | -31.8% |
| PILE DRIVING & DRIVERS | 6003 | 6.94 | 4.98 | -28.2% |
| DRILLING-NOC & DRIVERS | 6204 | 4.8 | 4.69 | -2.3% |
| EXCAVATION, GRADING, OR ROCK BLASTING SPECIALIST & DRIVERS | 6217 | 3.98 | 3.52 | -11.6% |
| IRRIGATION OR DRAINAGE SYSTEM CONSTRUCTION & DRIVERA | 6229 | 3.52 | 3.55 | 0.9% |
| SEWER CONSTRUCTION - ALL OPERATIONS & DRIVERS | 6306 | 7.34 | 7.47 | 1.8% |
| GAS MAIN OR CONNECTION CONSTRUCTION & DRIVERS | 6319 | 2.51 | 2 | -20.3% |
| WATER OR GAS MAIN OR CONNECTION CONSTRUCTION & DRIVERS | 6319 | 2.51 | 2 | -20.3% |
| CONDUIT CONSTRUCTION FOR CABLES OR WIRES & DRIVERS | 6325 | 2.35 | 2.2 | -6.4% |
| FENCE ERECTION - ALL TYPES | 6400 | 4.37 | 3.71 | -15.1% |
| TRUCKING: NOC - ALL EMP & DRIVERS | 7219 | 6.66 | 5.93 | -11.0% |
| ELECTRIC LIGHT OR POWER LINE CONSTRUCTION & DR | 7538 | 5.13 | 3.47 | -32.4% |
| CONTRACTORS PERMANENT YARD | 8227 | 4.66 | 4.77 | 2.4% |
| BUILDING MATERIALS DEALER - NEW A/O EES, YARD, WHRSE & DR | 8232 | 4.77 | 3.67 | -23.1% |
| DOOR -SASH OR ASSEMBLED MILLWORK DEALER& DR | 8235 | 3.52 | 3.25 | -7.7% |
| SALESPERSONS, COLLECTORS OR MESSENGERS -OUTSIDE | 8742 | 0.09 | 0.08 | -11.1% |
| CLERICAL OFFICE EMPLOYEEES NOC | 8810 | 0.06 | 0.04 | -33.3% |
| BUILDING - OPERATIONS BY CONTRACTOR | 9014 | 1.85 | 1.65 | -10.8% |
| BUILDING - OPERATIONS BY OWNER OR LESSEE | 9015 | 2.59 | 2.27 | -12.4% |
| STREET CLEANING AND DRIVERS | 9402 | 3.43 | 3.33 | -2.9% |
| Average Rate/ Average Change | 6.5705 | 5.72483 | -13.0% |
