Workers Comp Calculator
Estimate your annual and monthly workers compensation premium by state.
Configure
Adjust each field to match your business.
Location
Payroll
Settings
Rate
1.0 = standard. Below 1.0 = good history.
Results
Based on your inputs, here's what the numbers say.
Annual Premium
$5,625
Monthly
$469
Assumptions Used
TX base WC rate: $7.5/100
Experience mod: 1
Claims multiplier: 1×
Annual Premium
$5,625
Monthly
$469
Workers Comp for Junk Removal
Workers comp is mandatory in most states once you have even one W-2 employee. Junk removal falls under manual labor classifications with rates of $6.50-$12.00 per $100 of payroll depending on state. Clean claims history can reduce your rate by 10-25%.
Founder, ScaleYourJunk
Built ScaleYourJunk after identifying that junk removal operators were stuck using generic field service tools that didn't match their workflows. Every calculator on this site uses real industry data and operator-validated assumptions.
Workers Comp Calculator for Junk Removal FAQ
In most states, sole owner-operators can opt out of WC coverage. However, some commercial clients require all subcontractors to carry WC regardless.
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