The average cost of workers’ compensation insurance in Washington will go up about 3.8 percent in 2025.
According to the Washington State Department of Labor and Industries, effective January 1st, employers and workers together will pay, on average, about a dollar a week more for each full-time position. Workers will pay about a quarter of the premium, similar to last year.
The 3.8 percent increase is an average for all industries. The base rate for specific industries could be higher or lower depending on their recent claims history.
Washington state requires employers and workers to pay into the workers’ compensation system to help cover the cost of providing wage and disability benefits for injured workers, as well as medical treatment of workplace injuries and illnesses.
Each fall, L&I determines workers’ compensation rates for the following year by looking closely at several factors, including the expected workers’ compensation benefits costs, size of the contingency reserve, wage and benefit inflation, operational costs, investment income, and other financial indicators.
L&I workers’ compensation insurance covers about 2.8 million workers and more than 201,000 employers in Washington.
