A Look At What Industries Have The Highest Workers’ Comp Rates   

Companies need good working hours and labor dedication to run a successful business effectively. The performance of employees’ success is greatly affected by the attention and detail given to accomplishing and performing tasks. Many factors come into play regarding the business’s success, such as insurance coverage.

Workers’ compensation insurance is essential to protect employees and businesses from unseen and unexpected emergencies. They enable the companies to pay and manage expenses related to job injuries, sicknesses, and losing loved ones.

It is a must to have a compensation plan; however, companies should consider the paying rate of these workers’ compensation to give what is necessary. Some industries have higher comp rates than others. Here we will examine what industries have the highest workers’ comp rates.

Industries That Have the Highest Workers’ Comp Rate

  • Nursing and Residential Care

Most nursing and residential industry workers are susceptible and at a high risk of experiencing high injuries and contacting illnesses that can harm their health. Within the private sector, there are approximately 6.5% injuries for every 100 workers compared to a government institution, which has about 11.7 % for every 100 workers.

When the two industries are combined, they result in increased injury occurrences; thus, this industry has policy strategies that provide the highest workers comp rates to their employees to enable retention of the employees, competence, and effective job performance.

  • Air Transportation

The air transpiration industry is among the sectors that have the highest workers comp rates. It has the most challenging and complicated mechanical work; thus, workers in this industry are always at an increased risk of injuries that can derail their lives. The risk of being injured while at work is high for aircraft mechanics, cargo supporting positions, and freight agents.

Thus companies set aside the highest worker’s compensation rate to help them manage the expense that comes with injuries due to mechanical failures, off-loading and on-loading, cargo transportation, and injuries during servicing and maintenance of the aircraft.

  • Messengers and Couriers

Due to the constant movement of the messengers from one location to another to send the messaging packages and couriers, the messenger and courier work is involved and requires high labor efforts; thus, these workers are always at risk of getting injured or experiencing some form of danger.

Most transportation methods used in the messengers and couriers industry are public means such as shared vehicles, motorcycles, bicycles, and minivans. These forms of transportation always incur some mechanical failures and insurance policing, and workers are also at risk of injuries due to accidents.

Thus, the messenger and couriers industry primarily provides the highest worker’s compensation rates to retain high-performing employees and motivate them to perform excellently in their designated roles.

  • Animal Production Industries

Workers responsible for raising and feeding animals needed for slaughter are known to have the second highest rates of injuries of, approximately 6.6% for every 100 workers. The risk of transmission of animal diseases or conditions to the workers is also high, and this can expose the workers’ health to deteriorate and affect their work performance.

Therefore it provides the highest workers comp rate to manage illnesses and diseases, and injuries that, if not attended to, may result in poor health, low performance, and even death in severe cases.

  • Wood Product Manufacturing

Workers within plant industries and factories that assemble, manufacture, develop and design wood products have an approximately 5.9% of injury rate for every 100 workers. The constant use of sharp double-edged machines in developing products such as furniture and kitchen cabinets places workers’ lives in danger.

Also, the dust from the manufacturing and production processes may cause severe allergies to some employees, thus risking their health. Therefore, the workers are given the highest compensation plans to mitigate and manage such situations.


The industries that give the highest workers comp rates are known to be high risk; therefore, its necessary that a business or company knows the factors that affect the worker’s comp insurance policy to understand how much is needed to be allocated toward the workers’ compensation rates as well as avoid giving overpayment coverage. Also, it helps the business know whether they are paying a considerable and reasonable amount of coverage.