State workers comp insurance average premium will rise about 4.9 in 2026

Washington's average workers' compensation insurance premium will rise by 4. 9% in 2026, costing employers and workers an extra $1. 37 weekly for each full-time position. The Washington State Department of Labor & Industries (L&I) announced the increase, attributing it to the rising costs of wage replacement and medical care benefits. L&I Director Joel Sacks stated that the agency aims to keep rates steady and predictable.

The increase is less than what L&I anticipates needing to cover claim costs for 2026, with the agency planning to utilize its contingency reserve to bridge the gap. Premium rates differ by industry, depending on their injury claims history, which may result in higher or lower specific rates. Employers in Washington contribute to the workers' compensation system to provide benefits for injured workers. L&I also implements programs to help reduce workplace injuries and associated costs. The approval of the final rates followed three public hearings in late October, ensuring transparency in the process.