Workers Comp Cost in Rhode Island
2026 rates — mandatory for most Rhode Island employers
Calculate Your Rhode Island Workers Comp Cost
Workers Comp Rates by Industry — Rhode Island 2026
| Industry Class | Risk Level | Rate / $100 payroll |
|---|---|---|
| Clerical / Office (8810) | Very Low | $0.20 – $0.45 |
| Retail / Wholesale (8017–8018) | Low | $0.80 – $2.00 |
| Restaurant / Food Service (9082) | Moderate | $1.50 – $3.50 |
| Light Manufacturing (3632) | Moderate | $2.00 – $5.00 |
| Trucking / Delivery (7219–7231) | High | $4.00 – $8.00 |
| Construction / Carpentry (5645) | High | $5.00 – $12.00 |
| Roofing (5551) | Very High | $8.00 – $18.00 |
Rates are advisory/illustrative. Actual Rhode Island rates vary by carrier, your specific class codes, and Experience Mod.
Workers Comp in Rhode Island — Key Facts
1. Rhode Island Requirement & Market
Mandatory: YES — required for employers in Rhode Island (check specific employee count thresholds)
Market: Private market (NCCI rates)
Rhode Island uses NCCI (National Council on Compensation Insurance) for class code rate guidance. Workers' comp costs in Rhode Island are above the national average. Compare multiple carriers for the best rates — differences of 20–40% for the same class code are common.
2. Top Cost Tips for Rhode Island
Rhode Island employers: (1) verify your class codes are correctly assigned — misclassification is common and can significantly inflate premiums; (2) implement a documented safety program — this qualifies for premium credits with many carriers; (3) pay-as-you-go workers' comp eliminates large audit surprises.
Compare Workers Comp Quotes in Rhode Island
Rates vary 20–40% between carriers for identical coverage. Compare before your next renewal.
Rhode Island Workers Comp Summary
- →Avg rate: $1.77 per $100 payroll
- →$500K payroll: ~$8,850/yr avg risk
- →Cost vs national: above average
- →Mandatory: Yes