Tips for small-business users:

• Use real payroll (wages + bonuses)—don’t include independent contractors.
• If you don’t know your exact class rate, start with the default that best fits your operations; the result is a ball-park figure.
• Experience Mod (MOD) comes from NCCI or your state rating bureau; 1.0 = average risk, <1.0 = good loss history, >1.0 = higher risk.
• State surcharges vary (some states add 2-6 % for special funds). If unsure, leave at 0 for a conservative estimate.
• This is an educational estimator, not a quote. Final premiums depend on carrier underwriting, audits, and state filings.