Workers comp tools, calculators, and decision aids
Twelve interactive tools that read directly from our workers compensation dataset: 13,833 state-class code rate cells, 51 states of coverage rules, 51 settlement-chart jurisdictions, and 14 carriers. Every tool runs in your browser, no email, no signup, no quote forms.
Premium tools
Premium Estimator · live
Estimate your annual workers comp premium from real state filings. Industry, state, payroll inputs.
Open toolClass Code Finder · live
Search NCCI class codes by occupation. Returns rate spread across states with cross-state percentile.
Open toolEMR Lowering Playbook
Get 7 ranked actions to lower your Experience Mod Rate, with EMR-point and dollar-savings estimates.
Open toolSchedule Credit Eligibility Check
Estimate the schedule credit your carrier can apply at renewal, capped by your state cap and posture.
Open toolIndustry Premium Comparator
Cross-state rate range for an industry, cheapest 5 and priciest 5 states, top class codes.
Open toolCompliance tools
Audit Prep Checklist Generator
State-aware workers comp audit checklist with 10-15 prep items keyed to your real audit window.
Open tool1099 vs W-2 Decision Tree
Answer 7 yes/no questions, get a state-aware classification recommendation under IRS or ABC test.
Open toolCoverage Gap Analyzer
Detect every workers comp coverage gap by state, entity type, W-2 count, and 1099 contractor count.
Open toolState Coverage Requirement Lookup
All 51 jurisdictions, real coverage thresholds, max weekly benefit, statute of limitations, penalties.
Open toolSettlement tools
Carrier tools
How these tools work together
Workers compensation pricing is not opaque, just messy. The same input, your payroll, your industry, your state, your headcount, drives a dozen interlocking outputs: which class codes apply, what the manual rate is, what your Experience Modification Rate does to it, what schedule credit the carrier can apply, what your audit will look like at year-end, whether you have officer exclusion or 1099 misclassification exposure, and which carrier is actually a fit.
We split that workflow across 12 purpose-built tools because trying to fit it into one giant calculator hides the trade-offs. Start with the Premium Estimator for the headline number. Then audit your structure with the Coverage Gap Analyzer and the 1099 vs W-2 Decision Tree. Look up your statutory ceiling with the State Coverage Requirement Lookup. If your premium is large enough, run the EMR Lowering Playbook and the Schedule Credit Eligibility Check together, EMR drives manual premium, schedule credits sit on top.
For shopping, the Carrier Comparison Tool ranks 14 carriers against your state, industry, and size, not by ad spend, and the Industry Premium Comparator shows which states are unusually expensive for your industry so you can make a relocation case. For claims, the Body Part Injury Settlement Chart shows the cross-state Schedule of Losses range, and the Settlement Calculator turns weeks into dollars.
Finally, the Audit Prep Checklist Generator pulls the actual audit window from your state's filing and outputs a 10-to-15 item prep list scoped to your industry, headcount, and class-code mix. Print or download the .txt and hand it to your bookkeeper.
The unifying design choice: every tool reads from the same dataset and follows the same source-citation rule. Where a number traces to a primary source (state insurance department filing, rating-bureau loss-cost manual, AM Best filing), it is HIGH-confidence and quoted. Where the source is general knowledge, the tool says so. We do not invent numbers. We do not fabricate carrier endorsements. We do not gate output behind email forms. If a tool ever appears wrong, please tell us with the source you trust more, we update.
Frequently asked questions
What does each tool actually do?
Each tool runs entirely on real data we have already aggregated, no quote forms, no email gates. The Premium Estimator uses state-filed rate cells. The EMR Playbook ranks loss-control actions against NCCI experience-rating behavior. The Coverage Gap Analyzer reads the rules in our state-facts dataset to flag missing coverage. The Carrier Comparison ranks 14 carriers against your state, industry, and size.
Is the data real?
Yes. 13,833 rate cells across 25 states, 13,615 of them HIGH-confidence with quoted evidence from primary sources (state insurance department filings, rating-bureau loss-cost publications). The state-facts dataset covers 51 jurisdictions. Carriers come from public AM Best filings.
Do you sell my information?
No. None of these tools require an email address or phone number. Calculations run client-side in your browser; nothing you enter is sent to a server. We do not run a quote-funnel, period.
Why is the EMR estimate a range?
The Experience Modification Rate formula is published by NCCI but the per-action effect depends on your specific claim history, payroll volume, and rating period. We model conservative ranges anchored to NCCI experience-rating behavior; your actual savings may be higher or lower.
Where does the schedule-credit cap come from?
Each state insurance department or rating bureau files a maximum schedule-credit percentage in its statutory rule manual. We read those caps into the state-facts dataset; the Schedule Credit tool refuses to suggest a credit higher than the statute allows.
How current is the data?
Last verified 2026-05-08. We re-check primary sources on a daily-tier-1 cadence (free HTTP fetch + diff) and quarterly Tier-3 grounded audits. Each per-state JSON file carries its own _enriched_at timestamp.