{"id":7025169,"date":"2026-08-03T14:28:11","date_gmt":"2026-08-03T14:28:11","guid":{"rendered":"https:\/\/peraltafinancing.com\/business\/insurance\/after-a-decade-of-declines-wisconsin-school-workers-comp-rates-are-rising-in-2026\/"},"modified":"2026-08-03T14:28:11","modified_gmt":"2026-08-03T14:28:11","slug":"after-a-decade-of-declines-wisconsin-school-workers-comp-rates-are-rising-in-2026","status":"publish","type":"post","link":"https:\/\/fivemor.com\/?p=7025169","title":{"rendered":"After a Decade of Declines, Wisconsin School Workers\u2019 Comp Rates Are Rising in 2026"},"content":{"rendered":"


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WisconsinWorkers Compensation Rate Change October 1, 2025<\/p>\n

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Effective October 1, 2025, Wisconsin employers saw yet another overall rate decrease in workers’ compensation. The overall rate reduction of 3.20% was notably less than reductions over the previous years, but still a reduction, nonetheless. This rate reduction marks the 10th consecutive year of a workers’ compensation rate reduction for the state of Wisconsin. These reductions have been largely driven by wage growth, better than expected loss experience along with a reduction in claims frequency.<\/p>\n

Looking specifically at schools, overall, they have benefited from the rate reductions in the past 10 years, but effective October of 2025 saw a notable rate increase. There are two main class codes in which associates employed by schools are assigned. Teachers and administrative staff would be attached to code 8868 (School: Professional Employees & Clerical). The rate in this code is down over 31% since 2016 as detailed in the chart below, but for 2025 it will see an increase of just under 8%.<\/p>\n

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The other primary class code used by schools is 9101 (School: All Other Employees). This classification would include maintenance and custodial staff. Below you will find the rate change trend for this class which outlines an overall 34% reductionsince 2015. However, again for 2025 this class code will see a notable increase of over 6%.<\/p>\n

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After a Decade of Declines, Wisconsin School Workers\u2019 Comp Rates Are Rising in 2025 and 2026.<\/p>\n

Workers\u2019 compensation premium is calculated by taking the payroll within a class code, multiplied by the corresponding rate and dividing by 100.<\/p>\n

(Payroll* Rate) \/ 100 = Premium<\/p>\n

(1,000,000 * 0.41) \/ 100 = $4,100<\/p>\n

With the 2025 Wisconsin workers’ compensation rate reduction far less significant than in years past it appears we could be approaching the end of the rate reduction trend. For 2025\/2026 there are many notable classes including schools that are facing a rate increase for the first time in many years. This change in trend should come as a warning to all organizations they could be facing an increase in workers’ compensation premiums in the months to come.<\/p>\n

In an effort to control workers\u2019 compensation premiums continued focus on overall risk management and experience modification management are critical to managing long-term costs. R&R Insurance has a great track record of working with clients closely to educate them on the nuances of the workers\u2019 compensation system.<\/p>\n

See the\u00a0Wisconsin School Risk & Safety Scorecard<\/a> to find out how well your district rates.<\/p>\n

Should you have any questions regarding the rate changes effective October 1st, 2025, please reachout to R&R Insurance for additional information. We be happy to walk you through these changes in more detail and outline how they will impact your school district.<\/p>\n<\/div>\n