WSR 24-24-046
PERMANENT RULES
DEPARTMENT OF
LABOR AND INDUSTRIES
[Filed November 26, 2024, 9:03 a.m., effective January 1, 2025]
Effective Date of Rule: January 1, 2025.
Purpose: This rule adoption amends the tables of classification base premium rates, experience rating plan parameters, and experience modification factor calculation limitations for the workers' compensation insurance program for calendar year 2025. Classification base rates were updated to align with expected losses. The department of labor and industries (L&I) is adopting a 3.8 percent overall average premium rate increase.
Washington law provides that rates should be adjusted annually to reflect the hazards of each industry and in accordance with recognized workers' compensation insurance principles and to ensure solvency of the accident, medical aid, and supplemental pension funds.
L&I is adopting an overall average rate increase of 3.8 percent to ensure premiums to cover most of the expected costs of 2025 workers' compensation claims. This modest increase is below the indicated break-even rate and consistent with our rate-making principle of keeping rates steady and predictable. This rate increase is required to partially account for four consecutive years of higher-than-normal increases in the state's average wage. In addition, the increase enables us to begin gradually increasing our working capital in the supplemental pension fund which pays for annual cost of living adjustments (COLAs) for pensions. L&I is able to minimize the increase for this upcoming year thanks to previous investment earnings that benefit the workers' compensation contingency reserve (surplus).
The adoption is also notice that the director intends to transfer the amount of the accident and medical aid funds combined that exceed 10 percent of funded liabilities as required by RCW 51.44.023.
Citation of Rules Affected by this Order: Amending WAC 296-17-855 Experience modification, 296-17-875 Table I, 296-17-880 Table II, 296-17-885 Table III, 296-17-890 Table IV, 296-17-895 Industrial insurance accident fund base rates, stay at work and medical aid base rates by class of industry, 296-17-89502 Industrial insurance accident fund, stay at work, medical aid and supplemental pension rates by class of industry for nonhourly rated classifications, 296-17-89507 Horse racing rates, 296-17-89508 Farm internship program industrial insurance, accident fund, stay at work fund, medical aid fund, and supplemental pension by class, 296-17-901 Risk classification hazard group table, 296-17-920 Assessment for supplemental pension fund, 296-17B-540 Determining loss incurred for each claim, and 296-17B-900 Retrospective rating plans standard premium size ranges.
Statutory Authority for Adoption: RCW 51.16.035 (base rates), 51.32.073 (supplemental pension), 51.18.010 (retrospective rating), and 51.04.020(1) (general authority).
Adopted under notice filed as WSR 24-19-072 on September 17, 2024.
Number of Sections Adopted in Order to Comply with Federal Statute: New 0, Amended 0, Repealed 0; Federal Rules or Standards: New 0, Amended 0, Repealed 0; or Recently Enacted State Statutes: New 0, Amended 0, Repealed 0.
Number of Sections Adopted at the Request of a Nongovernmental Entity: New 0, Amended 0, Repealed 0.
Number of Sections Adopted on the Agency's own Initiative: New 0, Amended 13, Repealed 0.
Number of Sections Adopted in Order to Clarify, Streamline, or Reform Agency Procedures: New 0, Amended 0, Repealed 0.
Number of Sections Adopted using Negotiated Rule Making: New 0, Amended 0, Repealed 0; Pilot Rule Making: New 0, Amended 0, Repealed 0; or Other Alternative Rule Making: New 0, Amended 0, Repealed 0.
Date Adopted: November 26, 2024.
Joel Sacks
Director
OTS-5833.2
AMENDATORY SECTION(Amending WSR 23-24-039, filed 11/30/23, effective 1/1/24)
WAC 296-17-855Experience modification.
The basis of the experience modification shall be a comparison of the actual losses charged to an employer during the experience period with the expected losses for an average employer reporting the same exposures in each classification. The comparison shall contain actuarial refinements designed to weigh the extent to which the actual experience is credible, due consideration being given to the volume of the employer's experience. Except for those employers who qualify for an adjusted experience modification as specified in WAC 296-17-860 or 296-17-865, the experience modification factor shall be calculated from the formula:
EXPERIENCE
MODIFICATION
FACTOR
=
(Credible Actual Primary Loss + Credible Actual Excess Loss)/Expected Loss
Where
 
 
Credible Actual
Primary Loss
=
Actual Primary Loss x Primary Credibility
 
+
Expected Primary Loss x (100% - Primary Credibility)
Credible Actual
Excess Loss
=
Actual Excess Loss x Excess Credibility
 
+
Expected Excess Loss x (100% - Excess Credibility)
The meaning and function of each term in the formula is specified below.
For each claim, the actual primary loss is the first dollar portion of the claim costs, which has been shown in actuarial studies, to have the greater credibility in predicting future experience. These amounts are summed over all claims. For each claim in excess of (($25,170))$25,750 the actual primary loss shall be determined from the formula:
Primary Loss
=
((62,920))64,380
x Total Loss
(Total Loss + ((37,750))38,630)
For each claim, less than (($25,170))$25,750 the full value of the claim shall be considered a primary loss.
For each claim, the excess actual loss is the remaining portion of the claim costs, which have been shown in actuarial studies to have less credibility in predicting future experience. The excess actual loss for each claim shall be determined by subtracting the primary loss from the total loss. These amounts are summed over all claims.
For any claim without disability benefits (time loss, partial permanent disability, total permanent disability or death) either actually paid or estimated to be paid, the total actual losses for calculating the primary loss and excess loss shall first be reduced by the lesser of (($3,670))$3,930 or the total cost of the claim. Here are some examples for these claims:
Total Loss
Type of
Claim
Total Loss
(after deduction)
Primary Loss
Excess
Loss
((2,000
 
Medical Only
0
 
0
 
0
 
5,000
 
Medical Only
1,330
 
1,330
 
0
 
5,000
 
Timeloss
5,000
 
5,000
 
0
 
30,000
 
Medical Only
26,330
 
25,853
 
477
 
30,000
 
Timeloss
30,000
 
27,861
 
2,139
 
90,000
 
PPD
90,000
 
44,327
 
45,673
 
150,000
 
PPD
150,000
 
50,269
 
99,731
 
500,000
 
TPD Pension
405,520
 
57,562
 
347,958
 
2,000,000
 
TPD Pension
405,520
 
57,562
 
347,958))
 
2,000
 
Medical Only
0
 
0
 
0
 
5,000
 
Medical Only
1,070
 
1,070
 
0
 
5,000
 
Timeloss
5,000
 
5,000
 
0
 
30,000
 
Medical Only
26,070
 
25,941
 
129
 
30,000
 
Timeloss
30,000
 
28,142
 
1,858
 
90,000
 
PPD
90,000
 
45,045
 
44,955
 
150,000
 
PPD
150,000
 
51,195
 
98,805
 
500,000
 
TPD Pension
417,090
 
58,923
 
358,167
 
2,000,000
 
TPD Pension
417,090
 
58,923
 
358,167
 
Note:
The deduction, (($3,670))$3,930, is twice the average case incurred cost of these types of claims occurring during the three-year period used for experience rating. On average this results in reducing the average actual loss about 70 percent for these types of claims adjusted. This is done to help make the transition between the two different experience rating methods better by helping make the change in experience factor reasonable for small changes to the actual losses.
For each employer, the primary credibility and the excess credibility determines the percentage weight given to the corresponding actual primary losses and the actual excess losses, included in the calculation of the experience modification, based on the volume of expected losses. Primary credibility and excess credibility values are set forth in Table II.
An employer's expected losses shall be determined by summing the expected loss for each of the three years of the experience period, which are calculated by multiplying the reported exposure in each classification during the year by the corresponding classification expected loss rate and rounding the result to the nearest cent. Classification expected loss rates by year are set forth in Table III.
Expected losses in each classification shall be multiplied by the classification "Primary-Ratio" to obtain "expected primary losses" which shall be rounded to the nearest cent. Expected excess losses shall then be calculated by subtracting expected primary losses from expected total losses rounded to the nearest cent. Primary-Ratios are also set forth in Table III.
AMENDATORY SECTION(Amending WSR 23-24-039, filed 11/30/23, effective 1/1/24)
WAC 296-17-875Table I.
Primary Losses for Selected Claim Values
Effective January 1, ((2024))2025
TOTAL LOSS AFTER
DEDUCTION
PRIMARY LOSS
 
5,000
 
5,000
 
 
10,000
 
10,000
 
 
15,000
 
15,000
 
 
((25,170
 
25,170
 
 
34,402
 
30,000
 
 
47,323
 
35,000
 
 
65,881
 
40,000
 
 
94,796
 
45,000
 
 
116,286
 
47,500
 
 
405,520
**
57,562))
 
 
25,750
 
25,750
 
 
33,709
 
30,000
 
 
46,019
 
35,000
 
 
63,380
 
40,000
 
 
89,698
 
45,000
 
 
108,704
 
47,500
 
 
417,090
**
58,923
 
**
Maximum claim value
AMENDATORY SECTION(Amending WSR 23-24-039, filed 11/30/23, effective 1/1/24)
WAC 296-17-880Table II.
PRIMARY AND EXCESS CREDIBILITY VALUES
Effective January 1, ((2024))2025
Maximum Claim Value =  (($405,520))$417,090
Average Death Value =  (($405,520))$417,090
Expected Losses
Primary Credibility
Excess Credibility
((0
-
6,061
12%
 
7%
 
6,062
-
6,471
13%
 
7%
 
6,472
-
6,884
14%
 
7%
 
6,885
-
7,301
15%
 
7%
 
7,302
-
7,726
16%
 
7%
 
7,727
-
8,155
17%
 
7%
 
8,156
-
8,590
18%
 
7%
 
8,591
-
9,029
19%
 
7%
 
9,030
-
9,473
20%
 
7%
 
9,474
-
9,926
21%
 
7%
 
9,927
-
10,383
22%
 
7%
 
10,384
-
10,851
23%
 
7%
 
10,852
-
11,320
24%
 
7%
 
11,321
-
11,800
25%
 
7%
 
11,801
-
12,289
26%
 
7%
 
12,290
-
12,782
27%
 
7%
 
12,783
-
13,286
28%
 
7%
 
13,287
-
13,798
29%
 
7%
 
13,799
-
14,318
30%
 
7%
 
14,319
-
14,851
31%
 
7%
 
14,852
-
15,390
32%
 
7%
 
15,391
-
15,944
33%
 
7%
 
15,945
-
16,510
34%
 
7%
 
16,511
-
17,087
35%
 
7%
 
17,088
-
17,677
36%
 
7%
 
17,678
-
18,282
37%
 
7%
 
18,283
-
18,907
38%
 
7%
 
18,908
-
19,543
39%
 
7%
 
19,544
-
20,200
40%
 
7%
 
20,201
-
20,875
41%
 
7%
 
20,876
-
21,575
42%
 
7%
 
21,576
-
22,298
43%
 
7%
 
22,299
-
23,047
44%
 
7%
 
23,048
-
23,828
45%
 
7%
 
23,829
-
24,644
46%
 
7%
 
24,645
-
25,497
47%
 
7%
 
25,498
-
26,398
48%
 
7%
 
26,399
-
27,354
49%
 
7%
 
27,355
-
28,371
50%
 
7%
 
28,372
-
29,472
51%
 
7%
 
29,473
-
30,677
52%
 
7%
 
30,678
-
32,019
53%
 
7%
 
32,020
-
32,157
54%
 
7%
 
32,158
-
33,568
54%
 
8%
 
33,569
-
35,458
55%
 
8%
 
35,459
-
53,665
56%
 
8%
 
53,666
-
59,148
57%
 
8%
 
59,149
-
84,486
57%
 
9%
 
84,487
-
87,017
57%
 
10%
 
87,018
-
109,978
58%
 
10%
 
109,979
-
120,370
58%
 
11%
 
120,371
-
135,630
59%
 
11%
 
135,631
-
153,725
59%
 
12%
 
153,726
-
161,437
60%
 
12%
 
161,438
-
187,080
60%
 
13%
 
187,081
-
187,407
61%
 
13%
 
187,408
-
213,537
61%
 
14%
 
213,538
-
220,432
61%
 
15%
 
220,433
-
239,832
62%
 
15%
 
239,833
-
253,786
62%
 
16%
 
253,787
-
266,292
63%
 
16%
 
266,293
-
287,140
63%
 
17%
 
287,141
-
292,919
64%
 
17%
 
292,920
-
319,713
64%
 
18%
 
319,714
-
320,492
64%
 
19%
 
320,493
-
346,681
65%
 
19%
 
346,682
-
353,845
65%
 
20%
 
353,846
-
373,812
66%
 
20%
 
373,813
-
387,201
66%
 
21%
 
387,202
-
401,120
67%
 
21%
 
401,121
-
420,555
67%
 
22%
 
420,556
-
428,604
68%
 
22%
 
428,605
-
453,905
68%
 
23%
 
453,906
-
456,264
69%
 
23%
 
456,265
-
484,100
69%
 
24%
 
484,101
-
487,259
69%
 
25%
 
487,260
-
512,117
70%
 
25%
 
512,118
-
520,616
70%
 
26%
 
520,617
-
540,315
71%
 
26%
 
540,316
-
553,969
71%
 
27%
 
553,970
-
568,697
72%
 
27%
 
568,698
-
587,323
72%
 
28%
 
587,324
-
597,262
73%
 
28%
 
597,263
-
620,678
73%
 
29%
 
620,679
-
626,016
74%
 
29%
 
626,017
-
654,031
74%
 
30%
 
654,032
-
654,959
75%
 
30%
 
654,960
-
684,090
75%
 
31%
 
684,091
-
687,383
75%
 
32%
 
687,384
-
713,416
76%
 
32%
 
713,417
-
720,738
76%
 
33%
 
720,739
-
742,932
77%
 
33%
 
742,933
-
754,092
77%
 
34%
 
754,093
-
772,650
78%
 
34%
 
772,651
-
787,445
78%
 
35%
 
787,446
-
802,562
79%
 
35%
 
802,563
-
820,800
79%
 
36%
 
820,801
-
832,676
80%
 
36%
 
832,677
-
854,151
80%
 
37%
 
854,152
-
862,994
81%
 
37%
 
862,995
-
887,506
81%
 
38%
 
887,507
-
893,514
82%
 
38%
 
893,515
-
920,861
82%
 
39%
 
920,862
-
924,240
83%
 
39%
 
924,241
-
954,215
83%
 
40%
 
954,216
-
955,174
84%
 
40%
 
955,175
-
986,321
84%
 
41%
 
986,322
-
987,565
84%
 
42%
 
987,566
-
1,017,676
85%
 
42%
 
1,017,677
-
1,020,918
85%
 
43%
 
1,020,919
-
1,049,252
86%
 
43%
 
1,049,253
-
1,054,274
86%
 
44%
 
1,054,275
-
1,081,041
87%
 
44%
 
1,081,042
-
1,087,629
87%
 
45%
 
1,087,630
-
1,113,052
88%
 
45%
 
1,113,053
-
1,120,982
88%
 
46%
 
1,120,983
-
1,145,283
89%
 
46%
 
1,145,284
-
1,154,335
89%
 
47%
 
1,154,336
-
1,177,739
90%
 
47%
 
1,177,740
-
1,187,690
90%
 
48%
 
1,187,691
-
1,210,420
91%
 
48%
 
1,210,421
-
1,221,042
91%
 
49%
 
1,221,043
-
1,243,330
92%
 
49%
 
1,243,331
-
1,254,398
92%
 
50%
 
1,254,399
-
1,276,471
93%
 
50%
 
1,276,472
-
1,287,751
93%
 
51%
 
1,287,752
-
1,309,848
94%
 
51%
 
1,309,849
-
1,321,103
94%
 
52%
 
1,321,104
-
1,343,459
95%
 
52%
 
1,343,460
-
1,354,457
95%
 
53%
 
1,354,458
-
1,377,308
96%
 
53%
 
1,377,309
-
1,387,811
96%
 
54%
 
1,387,812
-
1,411,398
97%
 
54%
 
1,411,399
-
1,421,165
97%
 
55%
 
1,421,166
-
1,445,732
98%
 
55%
 
1,445,733
-
1,454,519
98%
 
56%
 
1,454,520
-
1,480,312
99%
 
56%
 
1,480,313
-
1,487,872
99%
 
57%
 
1,487,873
-
1,515,141
100%
 
57%
 
1,515,142
-
1,550,222
100%
 
58%
 
1,550,223
-
1,585,559
100%
 
59%
 
1,585,560
-
1,621,151
100%
 
60%
 
1,621,152
-
1,657,004
100%
 
61%
 
1,657,005
-
1,693,119
100%
 
62%
 
1,693,120
-
1,729,501
100%
 
63%
 
1,729,502
-
1,766,150
100%
 
64%
 
1,766,151
-
1,803,071
100%
 
65%
 
1,803,072
-
1,840,266
100%
 
66%
 
1,840,267
-
1,877,742
100%
 
67%
 
1,877,743
-
1,915,494
100%
 
68%
 
1,915,495
-
1,953,533
100%
 
69%
 
1,953,534
-
1,991,860
100%
 
70%
 
1,991,861
-
2,030,477
100%
 
71%
 
2,030,478
-
2,069,388
100%
 
72%
 
2,069,389
-
2,108,596
100%
 
73%
 
2,108,597
-
2,148,105
100%
 
74%
 
2,148,106
-
2,187,916
100%
 
75%
 
2,187,917
-
2,228,036
100%
 
76%
 
2,228,037
-
2,268,466
100%
 
77%
 
2,268,467
-
2,309,212
100%
 
78%
 
2,309,213
-
2,350,277
100%
 
79%
 
2,350,278
-
2,391,664
100%
 
80%
 
2,391,665
-
2,433,380
100%
 
81%
 
2,433,381
-
2,475,420
100%
 
82%
 
2,475,421
-
2,517,799
100%
 
83%
 
2,517,800
-
2,560,511
100%
 
84%
 
2,560,512
-
2,603,569
100%
 
85%
 
2,603,570
and higher
100%
 
86%))
 
0
-
6,000
12%
 
7%
 
6,001
-
6,406
13%
 
7%
 
6,407
-
6,815
14%
 
7%
 
6,816
-
7,228
15%
 
7%
 
7,229
-
7,649
16%
 
7%
 
7,650
-
8,073
17%
 
7%
 
8,074
-
8,504
18%
 
7%
 
8,505
-
8,939
19%
 
7%
 
8,940
-
9,378
20%
 
7%
 
9,379
-
9,827
21%
 
7%
 
9,828
-
10,279
22%
 
7%
 
10,280
-
10,742
23%
 
7%
 
10,743
-
11,207
24%
 
7%
 
11,208
-
11,682
25%
 
7%
 
11,683
-
12,166
26%
 
7%
 
12,167
-
12,654
27%
 
7%
 
12,655
-
13,153
28%
 
7%
 
13,154
-
13,660
29%
 
7%
 
13,661
-
14,175
30%
 
7%
 
14,176
-
14,702
31%
 
7%
 
14,703
-
15,236
32%
 
7%
 
15,237
-
15,785
33%
 
7%
 
15,786
-
16,345
34%
 
7%
 
16,346
-
16,916
35%
 
7%
 
16,917
-
17,500
36%
 
7%
 
17,501
-
18,099
37%
 
7%
 
18,100
-
18,718
38%
 
7%
 
18,719
-
19,348
39%
 
7%
 
19,349
-
19,998
40%
 
7%
 
19,999
-
20,666
41%
 
7%
 
20,667
-
21,359
42%
 
7%
 
21,360
-
22,075
43%
 
7%
 
22,076
-
22,817
44%
 
7%
 
22,818
-
23,590
45%
 
7%
 
23,591
-
24,398
46%
 
7%
 
24,399
-
25,242
47%
 
7%
 
25,243
-
26,134
48%
 
7%
 
26,135
-
27,080
49%
 
7%
 
27,081
-
28,087
50%
 
7%
 
28,088
-
29,177
51%
 
7%
 
29,178
-
30,370
52%
 
7%
 
30,371
-
31,699
53%
 
7%
 
31,700
-
31,835
54%
 
7%
 
31,836
-
33,232
54%
 
8%
 
33,233
-
35,103
55%
 
8%
 
35,104
-
53,128
56%
 
8%
 
53,129
-
58,557
57%
 
8%
 
58,558
-
83,641
57%
 
9%
 
83,642
-
86,147
57%
 
10%
 
86,148
-
108,878
58%
 
10%
 
108,879
-
119,166
58%
 
11%
 
119,167
-
134,274
59%
 
11%
 
134,275
-
152,188
59%
 
12%
 
152,189
-
159,823
60%
 
12%
 
159,824
-
185,209
60%
 
13%
 
185,210
-
185,533
61%
 
13%
 
185,534
-
211,402
61%
 
14%
 
211,403
-
218,228
61%
 
15%
 
218,229
-
237,434
62%
 
15%
 
237,435
-
251,248
62%
 
16%
 
251,249
-
263,629
63%
 
16%
 
263,630
-
284,269
63%
 
17%
 
284,270
-
289,990
64%
 
17%
 
289,991
-
316,516
64%
 
18%
 
316,517
-
317,287
64%
 
19%
 
317,288
-
343,214
65%
 
19%
 
343,215
-
350,307
65%
 
20%
 
350,308
-
370,074
66%
 
20%
 
370,075
-
383,329
66%
 
21%
 
383,330
-
397,109
67%
 
21%
 
397,110
-
416,349
67%
 
22%
 
416,350
-
424,318
68%
 
22%
 
424,319
-
449,366
68%
 
23%
 
449,367
-
451,701
69%
 
23%
 
451,702
-
479,259
69%
 
24%
 
479,260
-
482,386
69%
 
25%
 
482,387
-
506,996
70%
 
25%
 
506,997
-
515,410
70%
 
26%
 
515,411
-
534,912
71%
 
26%
 
534,913
-
548,429
71%
 
27%
 
548,430
-
563,010
72%
 
27%
 
563,011
-
581,450
72%
 
28%
 
581,451
-
591,289
73%
 
28%
 
591,290
-
614,471
73%
 
29%
 
614,472
-
619,756
74%
 
29%
 
619,757
-
647,491
74%
 
30%
 
647,492
-
648,409
75%
 
30%
 
648,410
-
677,249
75%
 
31%
 
677,250
-
680,509
75%
 
32%
 
680,510
-
706,282
76%
 
32%
 
706,283
-
713,531
76%
 
33%
 
713,532
-
735,503
77%
 
33%
 
735,504
-
746,551
77%
 
34%
 
746,552
-
764,923
78%
 
34%
 
764,924
-
779,571
78%
 
35%
 
779,572
-
794,536
79%
 
35%
 
794,537
-
812,592
79%
 
36%
 
812,593
-
824,349
80%
 
36%
 
824,350
-
845,609
80%
 
37%
 
845,610
-
854,364
81%
 
37%
 
854,365
-
878,631
81%
 
38%
 
878,632
-
884,579
82%
 
38%
 
884,580
-
911,652
82%
 
39%
 
911,653
-
914,998
83%
 
39%
 
914,999
-
944,673
83%
 
40%
 
944,674
-
945,622
84%
 
40%
 
945,623
-
976,458
84%
 
41%
 
976,459
-
977,689
84%
 
42%
 
977,690
-
1,007,499
85%
 
42%
 
1,007,500
-
1,010,709
85%
 
43%
 
1,010,710
-
1,038,759
86%
 
43%
 
1,038,760
-
1,043,731
86%
 
44%
 
1,043,732
-
1,070,231
87%
 
44%
 
1,070,232
-
1,076,753
87%
 
45%
 
1,076,754
-
1,101,921
88%
 
45%
 
1,101,922
-
1,109,772
88%
 
46%
 
1,109,773
-
1,133,830
89%
 
46%
 
1,133,831
-
1,142,792
89%
 
47%
 
1,142,793
-
1,165,962
90%
 
47%
 
1,165,963
-
1,175,813
90%
 
48%
 
1,175,814
-
1,198,316
91%
 
48%
 
1,198,317
-
1,208,832
91%
 
49%
 
1,208,833
-
1,230,897
92%
 
49%
 
1,230,898
-
1,241,854
92%
 
50%
 
1,241,855
-
1,263,706
93%
 
50%
 
1,263,707
-
1,274,873
93%
 
51%
 
1,274,874
-
1,296,750
94%
 
51%
 
1,296,751
-
1,307,892
94%
 
52%
 
1,307,893
-
1,330,024
95%
 
52%
 
1,330,025
-
1,340,912
95%
 
53%
 
1,340,913
-
1,363,535
96%
 
53%
 
1,363,536
-
1,373,933
96%
 
54%
 
1,373,934
-
1,397,284
97%
 
54%
 
1,397,285
-
1,406,953
97%
 
55%
 
1,406,954
-
1,431,275
98%
 
55%
 
1,431,276
-
1,439,974
98%
 
56%
 
1,439,975
-
1,465,509
99%
 
56%
 
1,465,510
-
1,472,993
99%
 
57%
 
1,472,994
-
1,499,990
100%
 
57%
 
1,499,991
-
1,534,720
100%
 
58%
 
1,534,721
-
1,569,703
100%
 
59%
 
1,569,704
-
1,604,939
100%
 
60%
 
1,604,940
-
1,640,434
100%
 
61%
 
1,640,435
-
1,676,188
100%
 
62%
 
1,676,189
-
1,712,206
100%
 
63%
 
1,712,207
-
1,748,488
100%
 
64%
 
1,748,489
-
1,785,040
100%
 
65%
 
1,785,041
-
1,821,863
100%
 
66%
 
1,821,864
-
1,858,965
100%
 
67%
 
1,858,966
-
1,896,339
100%
 
68%
 
1,896,340
-
1,933,998
100%
 
69%
 
1,933,999
-
1,971,941
100%
 
70%
 
1,971,942
-
2,010,172
100%
 
71%
 
2,010,173
-
2,048,694
100%
 
72%
 
2,048,695
-
2,087,510
100%
 
73%
 
2,087,511
-
2,126,624
100%
 
74%
 
2,126,625
-
2,166,037
100%
 
75%
 
2,166,038
-
2,205,756
100%
 
76%
 
2,205,757
-
2,245,781
100%
 
77%
 
2,245,782
-
2,286,120
100%
 
78%
 
2,286,121
-
2,326,774
100%
 
79%
 
2,326,775
-
2,367,747
100%
 
80%
 
2,367,748
-
2,409,046
100%
 
81%
 
2,409,047
-
2,450,666
100%
 
82%
 
2,450,667
-
2,492,621
100%
 
83%
 
2,492,622
-
2,534,906
100%
 
84%
 
2,534,907
-
2,577,533
100%
 
85%
 
2,577,534
and higher
100%
 
86%
 
AMENDATORY SECTION(Amending WSR 23-24-039, filed 11/30/23, effective 1/1/24)
WAC 296-17-885Table III.
Expected Loss Rates and Primary Ratios
by Risk Classification and Fiscal Year
Expected Loss Rates in Dollars Per Worker Hour
Effective January 1, ((2024))2025
((Class
2020
2021
2022
Primary Ratio
101
0.7333
0.6414
0.5407
0.401
103
0.9153
0.8163
0.7019
0.415
104
0.6145
0.5355
0.4484
0.420
105
0.7852
0.6928
0.5818
0.481
106
2.0555
1.8460
1.5991
0.415
107
0.6483
0.5688
0.4799
0.423
108
0.6145
0.5355
0.4484
0.420
112
0.5619
0.4957
0.4204
0.420
201
1.5387
1.3384
1.1315
0.351
202
1.2789
1.1146
0.9341
0.413
210
0.6925
0.6069
0.5147
0.387
212
0.6877
0.6055
0.5120
0.424
214
1.0860
0.9419
0.7861
0.407
217
0.7191
0.6310
0.5306
0.439
219
0.5315
0.4649
0.3883
0.460
301
0.7365
0.6531
0.5537
0.456
302
1.3453
1.1765
0.9902
0.405
303
1.2698
1.1121
0.9350
0.418
306
0.5597
0.4883
0.4080
0.442
307
0.5886
0.5166
0.4325
0.470
308
0.4717
0.4196
0.3549
0.498
403
1.0815
0.9465
0.7916
0.450
502
0.6106
0.5331
0.4435
0.462
504
1.2805
1.1317
0.9657
0.398
507
2.0453
1.8278
1.5794
0.398
508
1.0918
0.9473
0.7952
0.368
509
0.6212
0.5390
0.4551
0.353
510
1.6222
1.4403
1.2328
0.409
511
1.0116
0.8828
0.7341
0.470
512
0.8457
0.7470
0.6334
0.441
513
0.6717
0.5884
0.4924
0.450
514
0.9857
0.8657
0.7236
0.482
516
1.0326
0.9059
0.7616
0.438
517
1.1617
1.0253
0.8767
0.374
518
0.8724
0.7620
0.6431
0.399
519
1.2490
1.0923
0.9198
0.405
521
0.5227
0.4628
0.3931
0.438
601
0.3764
0.3273
0.2717
0.460
602
0.5093
0.4378
0.3617
0.402
603
0.5910
0.5160
0.4358
0.382
604
0.7968
0.7055
0.5971
0.463
606
0.4629
0.4028
0.3286
0.544
607
0.6142
0.5342
0.4385
0.501
608
0.3036
0.2634
0.2175
0.469
701
0.9427
0.8201
0.6932
0.351
803
0.4940
0.4295
0.3535
0.497
901
0.8724
0.7620
0.6431
0.399
1002
0.6018
0.5267
0.4418
0.437
1003
0.4331
0.3805
0.3191
0.463
1004
0.3464
0.2996
0.2477
0.438
1005
6.6130
5.7458
4.7845
0.410
1006
0.1937
0.1684
0.1378
0.526
1007
0.2539
0.2229
0.1861
0.480
1101
0.9133
0.7955
0.6538
0.506
1102
1.1601
1.0102
0.8467
0.400
1103
0.8617
0.7481
0.6131
0.497
1104
0.4912
0.4341
0.3653
0.492
1105
0.5880
0.5129
0.4245
0.486
1106
0.3362
0.2967
0.2463
0.550
1108
0.4261
0.3762
0.3151
0.498
1109
1.5210
1.3325
1.1180
0.428
1301
0.4946
0.4335
0.3634
0.445
1303
0.3336
0.2876
0.2327
0.527
1304
0.0143
0.0125
0.0104
0.478
1305
0.3630
0.3160
0.2618
0.458
1401
0.2842
0.2536
0.2147
0.501
1404
0.6867
0.6063
0.5047
0.522
1405
0.6258
0.5468
0.4506
0.520
1407
0.5391
0.4719
0.3905
0.503
1501
0.6902
0.5981
0.4894
0.497
1507
0.3732
0.3277
0.2715
0.524
1701
0.6082
0.5356
0.4540
0.408
1702
0.8486
0.7362
0.6255
0.309
1703
0.6770
0.5877
0.4909
0.400
1704
0.6082
0.5356
0.4540
0.408
1801
0.4116
0.3587
0.3004
0.413
1802
0.6586
0.5739
0.4807
0.413
2002
0.5909
0.5186
0.4336
0.473
2004
0.5056
0.4452
0.3689
0.557
2007
0.5327
0.4727
0.4032
0.428
2008
0.2106
0.1859
0.1552
0.502
2009
0.3263
0.2900
0.2449
0.511
2101
0.5288
0.4682
0.3946
0.481
2102
0.5797
0.5130
0.4311
0.493
2103
1.3986
1.2100
0.9730
0.567
2104
0.3250
0.2943
0.2520
0.559
2105
0.6154
0.5355
0.4390
0.520
2106
0.4628
0.4095
0.3432
0.513
2201
0.2972
0.2667
0.2278
0.491
2202
0.5796
0.5080
0.4222
0.493
2203
0.4401
0.3897
0.3257
0.541
2204
0.2972
0.2667
0.2278
0.491
2401
0.3494
0.3075
0.2597
0.439
2903
0.5178
0.4605
0.3888
0.506
2904
0.4917
0.4359
0.3747
0.391
2905
0.4611
0.4090
0.3437
0.520
2906
0.4576
0.4086
0.3510
0.443
2907
0.3709
0.3291
0.2755
0.550
2908
0.6598
0.5871
0.4969
0.508
2909
0.3617
0.3238
0.2771
0.467
3101
0.5876
0.5169
0.4333
0.481
3102
0.2263
0.1980
0.1650
0.471
3103
0.2738
0.2422
0.2063
0.417
3104
0.6366
0.5639
0.4719
0.531
3105
0.7116
0.6367
0.5460
0.463
3303
0.3278
0.2882
0.2397
0.511
3304
0.6121
0.5448
0.4615
0.489
3309
0.3292
0.2886
0.2398
0.498
3402
0.3633
0.3211
0.2697
0.500
3403
0.1137
0.1000
0.0837
0.493
3404
0.4530
0.3986
0.3333
0.493
3405
0.2181
0.1926
0.1617
0.501
3406
0.2207
0.1947
0.1626
0.516
3407
0.6797
0.5923
0.4931
0.440
3408
0.2299
0.1998
0.1630
0.531
3409
0.1468
0.1298
0.1081
0.538
3410
0.1468
0.1298
0.1081
0.538
3411
0.3961
0.3461
0.2876
0.475
3412
0.5536
0.4824
0.4045
0.408
3414
0.6939
0.6042
0.4976
0.495
3415
1.2034
1.0492
0.8585
0.530
3501
0.3384
0.3028
0.2596
0.463
3503
0.2775
0.2444
0.2039
0.513
3506
0.6186
0.5413
0.4558
0.417
3509
0.4120
0.3596
0.2940
0.549
3510
0.3266
0.2915
0.2470
0.517
3511
0.7117
0.6316
0.5331
0.490
3512
0.3320
0.2946
0.2471
0.528
3513
0.3972
0.3489
0.2909
0.491
3602
0.0837
0.0739
0.0620
0.501
3603
0.3840
0.3407
0.2884
0.476
3604
0.6974
0.6169
0.5207
0.474
3605
0.3633
0.3211
0.2697
0.500
3701
0.2263
0.1980
0.1650
0.471
3702
0.3036
0.2676
0.2227
0.531
3708
0.5049
0.4474
0.3805
0.443
3802
0.1605
0.1428
0.1213
0.485
3808
0.3234
0.2857
0.2406
0.474
3901
0.1196
0.1069
0.0898
0.573
3902
0.4631
0.4097
0.3407
0.553
3903
0.7207
0.6374
0.5302
0.553
3905
0.1195
0.1070
0.0905
0.551
3906
0.4361
0.3883
0.3271
0.532
3909
0.2258
0.2002
0.1668
0.563
4101
0.1730
0.1532
0.1284
0.526
4103
0.4884
0.4333
0.3655
0.490
4107
0.1539
0.1346
0.1120
0.481
4108
0.1673
0.1472
0.1215
0.545
4109
0.1852
0.1646
0.1391
0.501
4201
0.6672
0.5725
0.4673
0.443
4301
0.7551
0.6725
0.5662
0.527
4302
0.6262
0.5518
0.4636
0.472
4304
0.7595
0.6851
0.5901
0.478
4305
0.9929
0.8592
0.7012
0.497
4401
0.3278
0.2882
0.2397
0.511
4402
0.5202
0.4545
0.3765
0.496
4404
0.4413
0.3918
0.3332
0.450
4501
0.1480
0.1296
0.1062
0.568
4502
0.0490
0.0432
0.0363
0.465
4504
0.1065
0.0953
0.0805
0.564
4802
0.4171
0.3712
0.3144
0.488
4803
0.4217
0.3768
0.3179
0.549
4804
0.4656
0.4166
0.3547
0.496
4805
0.3239
0.2901
0.2459
0.543
4806
0.1345
0.1191
0.0984
0.593
4808
0.4504
0.3995
0.3386
0.460
4809
0.2285
0.2029
0.1708
0.523
4810
0.2264
0.2013
0.1692
0.523
4811
0.4294
0.3866
0.3315
0.503
4812
0.3570
0.3168
0.2689
0.470
4813
0.2843
0.2550
0.2155
0.561
4814
0.1099
0.0999
0.0859
0.548
4815
0.2066
0.1884
0.1622
0.561
4816
0.3081
0.2807
0.2438
0.504
4900
0.1010
0.0888
0.0750
0.439
4901
0.0336
0.0293
0.0243
0.469
4902
0.0643
0.0562
0.0464
0.507
4903
0.1647
0.1431
0.1170
0.525
4904
0.0120
0.0106
0.0088
0.547
4905
0.3448
0.3072
0.2587
0.534
4906
0.0967
0.0841
0.0687
0.535
4907
0.0454
0.0408
0.0347
0.594
4908
0.0838
0.0756
0.0647
0.598
4909
0.0335
0.0303
0.0258
0.598
4910
0.4111
0.3606
0.3007
0.480
4911
0.0526
0.0464
0.0393
0.439
5001
5.9546
5.2490
4.5130
0.333
5002
0.4903
0.4276
0.3518
0.514
5003
1.9782
1.7291
1.4584
0.379
5004
0.8698
0.7863
0.6874
0.392
5005
0.7939
0.6941
0.5861
0.385
5006
0.9455
0.8243
0.6943
0.375
5101
0.7206
0.6267
0.5206
0.438
5103
0.7483
0.6614
0.5550
0.505
5106
0.7483
0.6614
0.5550
0.505
5108
0.7342
0.6353
0.5152
0.532
5109
0.3750
0.3273
0.2720
0.481
5201
0.2481
0.2190
0.1824
0.546
5204
0.9048
0.7776
0.6343
0.449
5206
0.3154
0.2789
0.2379
0.411
5207
0.1370
0.1220
0.1025
0.546
5208
0.4894
0.4317
0.3644
0.469
5209
0.4982
0.4389
0.3690
0.475
5300
0.0731
0.0642
0.0534
0.507
5301
0.0227
0.0201
0.0167
0.502
5302
0.0052
0.0045
0.0039
0.464
5305
0.0429
0.0375
0.0307
0.551
5306
0.0335
0.0295
0.0244
0.549
5307
0.6044
0.5248
0.4310
0.487
5308
0.0760
0.0676
0.0573
0.520
6103
0.0838
0.0749
0.0628
0.580
6104
0.3233
0.2849
0.2371
0.525
6105
0.4547
0.3950
0.3248
0.493
6107
0.1543
0.1381
0.1157
0.640
6108
0.2260
0.2018
0.1700
0.582
6109
0.1033
0.0900
0.0742
0.498
6110
0.3484
0.3029
0.2483
0.516
6120
0.2704
0.2355
0.1941
0.504
6121
0.3900
0.3389
0.2777
0.508
6201
0.4618
0.4022
0.3298
0.523
6202
0.7344
0.6458
0.5372
0.512
6203
0.0889
0.0804
0.0686
0.606
6204
0.1052
0.0941
0.0800
0.516
6205
0.1613
0.1422
0.1184
0.530
6206
0.1814
0.1606
0.1340
0.550
6207
0.7886
0.6993
0.5914
0.459
6208
0.2000
0.1804
0.1534
0.574
6209
0.2530
0.2274
0.1938
0.534
6301
0.1147
0.1008
0.0848
0.426
6303
0.0399
0.0351
0.0293
0.494
6305
0.0945
0.0838
0.0698
0.575
6306
0.3461
0.3032
0.2495
0.549
6308
0.0681
0.0596
0.0491
0.513
6309
0.2004
0.1770
0.1472
0.541
6402
0.2249
0.1998
0.1669
0.573
6403
0.1421
0.1251
0.1030
0.572
6404
0.2896
0.2578
0.2169
0.529
6405
0.5597
0.4890
0.4034
0.510
6406
0.1472
0.1295
0.1067
0.572
6407
0.2397
0.2118
0.1769
0.527
6408
0.5435
0.4810
0.4056
0.480
6409
0.5946
0.5214
0.4369
0.451
6410
0.2631
0.2307
0.1909
0.526
6411
0.0393
0.0353
0.0302
0.514
6501
0.0873
0.0757
0.0614
0.553
6502
0.0173
0.0152
0.0129
0.490
6503
0.0731
0.0627
0.0505
0.515
6504
0.2365
0.2112
0.1773
0.581
6505
0.1334
0.1193
0.0998
0.626
6506
0.1060
0.0931
0.0771
0.528
6509
0.2073
0.1849
0.1558
0.563
6510
0.3551
0.3069
0.2540
0.413
6511
0.2390
0.2106
0.1741
0.561
6512
0.0830
0.0729
0.0608
0.472
6601
0.1799
0.1587
0.1325
0.502
6602
0.5469
0.4865
0.4117
0.481
6603
0.2539
0.2251
0.1887
0.539
6604
0.0550
0.0486
0.0408
0.524
6605
0.2554
0.2234
0.1836
0.561
6607
0.1078
0.0957
0.0800
0.553
6608
0.3724
0.3213
0.2682
0.370
6620
3.1804
2.7312
2.1789
0.578
6704
0.1142
0.1002
0.0824
0.564
6705
0.7315
0.6593
0.5597
0.578
6706
0.2093
0.1881
0.1610
0.511
6707
8.4102
7.5223
6.2413
0.671
6708
7.9882
7.2913
6.3822
0.474
6709
0.2337
0.2061
0.1710
0.549
6801
0.5667
0.4811
0.3804
0.527
6802
0.8584
0.7449
0.6059
0.531
6803
0.4434
0.3807
0.3131
0.413
6804
0.2353
0.2066
0.1709
0.541
6809
2.8632
2.5546
2.1642
0.524
6901
0.0196
0.0200
0.0194
0.813
6902
0.6483
0.5706
0.4825
0.415
6903
3.0259
2.6602
2.2921
0.310
6904
1.1712
1.0068
0.8300
0.405
6905
0.8792
0.7494
0.6125
0.410
6906
0.2888
0.2811
0.2591
0.578
6907
0.7100
0.6262
0.5207
0.539
6908
0.3660
0.3221
0.2685
0.510
6909
0.0962
0.0849
0.0714
0.499
7100
0.0150
0.0130
0.0106
0.531
7101
0.0203
0.0177
0.0148
0.423
7103
0.9373
0.8098
0.6648
0.454
7104
0.0227
0.0199
0.0164
0.498
7105
0.0155
0.0136
0.0113
0.502
7106
0.2293
0.2025
0.1679
0.548
7107
0.3910
0.3405
0.2774
0.554
7108
0.3026
0.2656
0.2166
0.605
7109
0.0899
0.0788
0.0654
0.506
7110
0.4115
0.3619
0.3036
0.454
7111
0.2982
0.2548
0.2055
0.478
7112
0.6178
0.5515
0.4660
0.523
7113
0.4294
0.3761
0.3087
0.553
7114
0.7298
0.6439
0.5308
0.583
7115
0.5980
0.5322
0.4454
0.551
7116
0.5349
0.4683
0.3873
0.501
7117
0.9013
0.7958
0.6656
0.506
7118
1.3247
1.1638
0.9761
0.457
7119
1.6112
1.4007
1.1497
0.492
7120
4.9649
4.2957
3.5059
0.497
7121
5.6128
4.9433
4.2532
0.325
7122
0.3291
0.2950
0.2510
0.507
7200
2.1770
1.8651
1.5115
0.463
7201
1.5670
1.3480
1.0921
0.492
7202
0.0157
0.0138
0.0115
0.489
7203
0.0845
0.0762
0.0653
0.568
7204
0.0000
0.0000
0.0000
0.500
7205
0.0000
0.0000
0.0000
0.500
7301
0.6152
0.5545
0.4810
0.436
7302
0.7492
0.6758
0.5848
0.451
7307
0.4081
0.3616
0.3021
0.529
7308
0.2507
0.2240
0.1883
0.581
7309
0.1974
0.1769
0.1496
0.570
7400
2.5036
2.1448
1.7382
0.463))
Class
2021
2022
2023
Primary Ratio
101
0.6527
0.5614
0.5145
0.425
103
0.8889
0.7754
0.7310
0.423
104
0.6145
0.5253
0.4767
0.427
105
0.7462
0.6442
0.5944
0.489
106
2.1930
1.9206
1.8224
0.392
107
0.6066
0.5204
0.4757
0.443
108
0.6145
0.5253
0.4767
0.427
112
0.5388
0.4653
0.4299
0.444
201
1.4095
1.2030
1.0878
0.360
202
1.2094
1.0322
0.9335
0.418
210
0.6870
0.5902
0.5414
0.387
212
0.7209
0.6228
0.5750
0.420
214
1.0346
0.8807
0.7922
0.404
217
0.6999
0.6011
0.5494
0.460
219
0.4831
0.4142
0.3774
0.465
301
0.7027
0.6086
0.5651
0.464
302
1.2366
1.0595
0.9623
0.429
303
1.2734
1.0912
0.9903
0.431
306
0.5370
0.4598
0.4185
0.454
307
0.5772
0.4956
0.4537
0.476
308
0.4758
0.4123
0.3839
0.509
403
1.0183
0.8743
0.7988
0.448
502
0.6171
0.5295
0.4820
0.462
504
1.2611
1.0881
1.0043
0.412
507
1.9572
1.7061
1.6075
0.406
508
1.0158
0.8660
0.7792
0.399
509
0.6031
0.5139
0.4652
0.361
510
1.5652
1.3571
1.2646
0.406
511
1.0446
0.8931
0.8104
0.459
512
0.8485
0.7328
0.6789
0.445
513
0.6296
0.5416
0.4967
0.449
514
0.9539
0.8201
0.7525
0.487
516
0.9589
0.8240
0.7539
0.448
517
1.1112
0.9599
0.8873
0.383
518
0.7979
0.6838
0.6251
0.414
519
1.3093
1.1228
1.0230
0.410
521
0.5350
0.4633
0.4314
0.438
601
0.3834
0.3267
0.2948
0.455
602
0.5257
0.4443
0.3932
0.404
603
0.5704
0.4879
0.4425
0.389
604
0.7383
0.6391
0.5948
0.474
606
0.4554
0.3895
0.3518
0.540
607
0.5885
0.5032
0.4540
0.501
608
0.2791
0.2380
0.2144
0.478
701
0.7460
0.6367
0.5756
0.360
803
0.4946
0.4218
0.3799
0.500
901
0.7979
0.6838
0.6251
0.414
1002
0.5722
0.4917
0.4504
0.457
1003
0.4276
0.3677
0.3368
0.479
1004
0.3598
0.3065
0.2752
0.428
1005
4.2340
3.6386
3.3331
0.457
1006
0.2011
0.1717
0.1544
0.532
1007
0.2630
0.2258
0.2060
0.504
1101
0.8987
0.7683
0.6926
0.519
1102
1.1567
0.9882
0.8921
0.405
1103
0.7934
0.6782
0.6117
0.502
1104
0.4797
0.4148
0.3858
0.504
1105
0.5642
0.4830
0.4387
0.491
1106
0.3343
0.2883
0.2654
0.557
1108
0.4672
0.4023
0.3683
0.510
1109
1.5078
1.2938
1.1770
0.430
1301
0.4700
0.4047
0.3717
0.445
1303
0.3193
0.2709
0.2404
0.528
1304
0.0135
0.0117
0.0106
0.474
1305
0.3513
0.3003
0.2708
0.458
1401
0.2929
0.2545
0.2372
0.509
1404
0.6781
0.5857
0.5394
0.534
1405
0.6244
0.5351
0.4860
0.527
1407
0.5817
0.4988
0.4524
0.508
1408
0.2625
0.2282
0.2127
0.497
1501
0.6928
0.5908
0.5306
0.493
1507
0.3659
0.3146
0.2881
0.539
1701
0.5811
0.5024
0.4642
0.415
1702
0.8169
0.6959
0.6285
0.315
1703
0.6631
0.5660
0.5105
0.406
1704
0.5811
0.5024
0.4642
0.415
1801
0.4117
0.3524
0.3196
0.423
1802
0.6586
0.5638
0.5114
0.423
2002
0.5635
0.4842
0.4429
0.479
2004
0.4824
0.4163
0.3857
0.561
2007
0.4990
0.4337
0.4063
0.443
2008
0.2046
0.1764
0.1616
0.511
2009
0.3186
0.2759
0.2573
0.545
2101
0.5097
0.4428
0.4139
0.481
2102
0.5276
0.4570
0.4248
0.496
2103
1.3692
1.1648
1.0361
0.562
2104
0.3246
0.2852
0.2745
0.569
2105
0.6719
0.5736
0.5160
0.520
2106
0.4636
0.4007
0.3708
0.520
2201
0.2978
0.2601
0.2457
0.493
2202
0.6103
0.5230
0.4754
0.506
2203
0.4403
0.3804
0.3525
0.552
2204
0.2978
0.2601
0.2457
0.493
2401
0.3329
0.2860
0.2621
0.464
2903
0.4911
0.4267
0.3995
0.513
2904
0.4675
0.4050
0.3784
0.407
2905
0.4608
0.3994
0.3727
0.526
2906
0.4262
0.3710
0.3496
0.452
2907
0.3601
0.3131
0.2944
0.541
2908
0.6139
0.5343
0.5043
0.514
2909
0.3587
0.3136
0.2960
0.470
3101
0.5933
0.5106
0.4700
0.502
3102
0.2228
0.1909
0.1741
0.474
3103
0.2646
0.2291
0.2127
0.423
3104
0.6167
0.5329
0.4936
0.529
3105
0.6876
0.6006
0.5692
0.467
3303
0.3298
0.2833
0.2585
0.524
3304
0.5782
0.5020
0.4702
0.491
3309
0.3308
0.2842
0.2594
0.507
3402
0.3515
0.3039
0.2823
0.510
3403
0.1128
0.0971
0.0894
0.509
3404
0.4541
0.3908
0.3592
0.498
3405
0.2150
0.1856
0.1721
0.513
3406
0.2097
0.1809
0.1665
0.525
3407
0.6569
0.5620
0.5083
0.451
3408
0.2209
0.1886
0.1694
0.539
3409
0.1488
0.1283
0.1181
0.550
3410
0.1488
0.1283
0.1181
0.550
3411
0.3689
0.3166
0.2889
0.483
3412
0.5300
0.4532
0.4104
0.423
3414
0.6492
0.5557
0.5035
0.504
3415
1.1492
0.9831
0.8874
0.517
3501
0.2836
0.2477
0.2347
0.467
3503
0.2843
0.2450
0.2257
0.525
3506
0.5615
0.4823
0.4427
0.428
3509
0.4068
0.3480
0.3138
0.555
3510
0.3342
0.2902
0.2719
0.544
3511
0.6813
0.5908
0.5510
0.492
3512
0.3127
0.2711
0.2528
0.519
3513
0.3914
0.3367
0.3079
0.490
3602
0.0736
0.0637
0.0592
0.503
3603
0.3804
0.3300
0.3076
0.486
3604
0.7096
0.6145
0.5720
0.483
3605
0.3515
0.3039
0.2823
0.510
3701
0.2228
0.1909
0.1741
0.474
3702
0.2823
0.2435
0.2251
0.545
3708
0.4904
0.4240
0.3933
0.460
3802
0.1537
0.1334
0.1249
0.492
3808
0.3073
0.2648
0.2439
0.477
3901
0.1153
0.1002
0.0941
0.581
3902
0.4599
0.3977
0.3694
0.544
3903
0.6656
0.5755
0.5345
0.544
3905
0.1183
0.1031
0.0972
0.558
3906
0.4609
0.3987
0.3701
0.543
3909
0.2278
0.1971
0.1831
0.574
4101
0.1633
0.1413
0.1318
0.542
4103
0.5042
0.4365
0.4054
0.507
4107
0.1457
0.1246
0.1128
0.487
4108
0.1794
0.1540
0.1402
0.560
4109
0.1849
0.1604
0.1494
0.511
4201
0.6430
0.5437
0.4785
0.452
4301
0.6938
0.6023
0.5631
0.528
4302
0.6210
0.5354
0.4936
0.481
4304
0.6987
0.6130
0.5847
0.476
4305
0.9799
0.8351
0.7472
0.494
4401
0.3298
0.2833
0.2585
0.524
4402
0.5130
0.4395
0.3999
0.508
4404
0.4831
0.4194
0.3917
0.455
4501
0.1412
0.1214
0.1108
0.574
4502
0.0468
0.0403
0.0370
0.476
4504
0.1160
0.1010
0.0956
0.566
4802
0.4141
0.3594
0.3359
0.487
4803
0.4236
0.3683
0.3462
0.566
4804
0.4612
0.4007
0.3745
0.504
4805
0.3260
0.2840
0.2680
0.555
4806
0.1421
0.1227
0.1131
0.598
4808
0.4512
0.3911
0.3639
0.460
4809
0.2241
0.1944
0.1820
0.538
4810
0.2159
0.1876
0.1756
0.520
4811
0.4186
0.3670
0.3505
0.500
4812
0.3442
0.2981
0.2781
0.479
4813
0.3084
0.2684
0.2530
0.562
4814
0.1036
0.0912
0.0881
0.554
4815
0.2653
0.2323
0.2215
0.560
4816
0.3219
0.2852
0.2786
0.514
4900
0.1053
0.0905
0.0833
0.440
4901
0.0319
0.0273
0.0247
0.476
4902
0.0557
0.0477
0.0436
0.511
4903
0.1668
0.1420
0.1270
0.537
4904
0.0108
0.0093
0.0086
0.534
4905
0.3523
0.3058
0.2860
0.527
4906
0.0911
0.0778
0.0702
0.537
4907
0.0440
0.0385
0.0372
0.604
4908
0.0818
0.0721
0.0698
0.606
4909
0.0327
0.0288
0.0279
0.606
4910
0.3992
0.3434
0.3141
0.488
4911
0.0545
0.0467
0.0430
0.459
5001
5.6417
4.8481
4.4349
0.349
5002
0.4760
0.4073
0.3686
0.520
5003
2.0318
1.7405
1.5754
0.397
5004
0.8044
0.7061
0.6717
0.401
5005
0.7569
0.6488
0.5906
0.394
5006
0.9124
0.7809
0.7080
0.380
5101
0.6826
0.5835
0.5268
0.444
5103
0.7380
0.6391
0.5958
0.512
5106
0.7380
0.6391
0.5958
0.512
5108
0.6847
0.5834
0.5212
0.526
5109
0.3604
0.3081
0.2799
0.494
5201
0.2323
0.2002
0.1855
0.550
5204
0.8745
0.7412
0.6539
0.452
5206
0.2957
0.2552
0.2357
0.434
5207
0.1462
0.1269
0.1189
0.557
5208
0.4475
0.3867
0.3595
0.475
5209
0.4386
0.3783
0.3496
0.490
5300
0.0677
0.0582
0.0533
0.506
5301
0.0196
0.0168
0.0155
0.518
5302
0.0049
0.0042
0.0039
0.462
5305
0.0431
0.0369
0.0333
0.561
5306
0.0338
0.0291
0.0267
0.543
5307
0.5665
0.4839
0.4357
0.493
5308
0.0772
0.0670
0.0631
0.521
6103
0.0813
0.0707
0.0665
0.584
6104
0.3068
0.2643
0.2433
0.519
6105
0.4458
0.3798
0.3409
0.509
6107
0.1565
0.1366
0.1305
0.646
6108
0.2241
0.1946
0.1835
0.597
6109
0.1007
0.0861
0.0778
0.513
6110
0.3596
0.3064
0.2748
0.518
6120
0.2688
0.2293
0.2067
0.502
6121
0.3819
0.3256
0.2924
0.500
6201
0.4428
0.3791
0.3431
0.535
6202
0.7457
0.6435
0.5942
0.520
6203
0.0880
0.0772
0.0745
0.609
6204
0.1032
0.0898
0.0849
0.522
6205
0.1701
0.1469
0.1357
0.555
6206
0.1724
0.1491
0.1388
0.551
6207
0.7566
0.6566
0.6094
0.457
6208
0.1939
0.1700
0.1626
0.570
6209
0.2399
0.2096
0.1997
0.526
6301
0.1076
0.0928
0.0853
0.423
6303
0.0390
0.0336
0.0307
0.513
6305
0.0956
0.0827
0.0770
0.579
6306
0.3450
0.2961
0.2701
0.546
6308
0.0692
0.0593
0.0538
0.512
6309
0.1979
0.1706
0.1573
0.548
6402
0.2130
0.1847
0.1729
0.587
6403
0.1446
0.1245
0.1145
0.575
6404
0.2822
0.2445
0.2276
0.526
6405
0.5107
0.4385
0.4001
0.510
6406
0.1478
0.1273
0.1171
0.567
6407
0.2467
0.2127
0.1961
0.547
6408
0.5257
0.4546
0.4217
0.487
6409
0.5815
0.4987
0.4542
0.458
6410
0.2577
0.2215
0.2030
0.538
6411
0.0444
0.0387
0.0368
0.511
6501
0.0781
0.0666
0.0600
0.555
6502
0.0160
0.0138
0.0128
0.503
6503
0.0716
0.0605
0.0532
0.515
6504
0.2329
0.2026
0.1912
0.591
6505
0.1394
0.1210
0.1139
0.631
6506
0.1013
0.0871
0.0797
0.533
6509
0.2165
0.1881
0.1768
0.562
6510
0.3407
0.2898
0.2586
0.416
6511
0.2314
0.1996
0.1839
0.571
6512
0.0814
0.0701
0.0641
0.471
6601
0.1912
0.1649
0.1510
0.511
6602
0.5426
0.4708
0.4384
0.485
6603
0.2424
0.2102
0.1968
0.537
6604
0.0533
0.0461
0.0427
0.531
6605
0.2435
0.2097
0.1934
0.570
6607
0.1094
0.0946
0.0878
0.566
6608
0.3500
0.2971
0.2658
0.376
6620
3.1082
2.6294
2.3140
0.583
6704
0.1133
0.0972
0.0884
0.569
6705
0.7436
0.6514
0.6233
0.584
6706
0.2030
0.1771
0.1681
0.519
6707
8.1554
7.1356
6.8460
0.685
6708
7.8573
6.9564
6.7760
0.482
6709
0.2242
0.1933
0.1788
0.556
6801
0.6073
0.5095
0.4368
0.532
6802
0.8676
0.7404
0.6635
0.529
6803
0.4345
0.3669
0.3232
0.427
6804
0.2382
0.2043
0.1862
0.542
6809
2.7416
2.3850
2.2458
0.525
6901
0.0198
0.0193
0.0233
0.827
6902
0.6391
0.5498
0.5034
0.423
6903
2.7800
2.3910
2.2000
0.316
6904
1.2461
1.0538
0.9311
0.401
6905
0.9121
0.7653
0.6706
0.378
6906
0.3340
0.3091
0.3279
0.556
6907
0.6911
0.5956
0.5489
0.552
6908
0.3645
0.3144
0.2896
0.525
6909
0.0975
0.0841
0.0778
0.515
7100
0.0135
0.0116
0.0103
0.516
7101
0.0208
0.0177
0.0161
0.419
7103
0.9311
0.7921
0.7065
0.454
7104
0.0227
0.0196
0.0177
0.507
7105
0.0159
0.0136
0.0124
0.511
7106
0.2261
0.1948
0.1791
0.546
7107
0.3683
0.3152
0.2851
0.548
7108
0.3086
0.2646
0.2407
0.607
7109
0.0913
0.0784
0.0715
0.512
7110
0.3905
0.3360
0.3075
0.459
7111
0.2860
0.2411
0.2104
0.467
7112
0.6242
0.5417
0.5072
0.531
7113
0.4425
0.3788
0.3424
0.565
7114
0.7039
0.6064
0.5569
0.585
7115
0.5878
0.5088
0.4718
0.544
7116
0.5504
0.4717
0.4274
0.510
7117
0.8665
0.7470
0.6867
0.515
7118
1.2609
1.0836
0.9898
0.477
7119
1.5027
1.2845
1.1553
0.489
7120
4.8995
4.1755
3.7361
0.494
7121
5.2636
4.5244
4.1468
0.338
7122
0.3308
0.2880
0.2702
0.526
7200
2.0507
1.7353
1.5264
0.465
7201
1.5510
1.3148
1.1609
0.488
7202
0.0149
0.0128
0.0118
0.494
7203
0.0819
0.0719
0.0692
0.573
7204
0.0000
0.0000
0.0000
0.500
7205
0.0000
0.0000
0.0000
0.500
7301
0.5954
0.5217
0.4967
0.459
7302
0.8054
0.7057
0.6696
0.453
7307
0.3776
0.3264
0.3022
0.529
7308
0.2592
0.2250
0.2109
0.594
7309
0.1843
0.1607
0.1525
0.572
7400
2.3583
1.9955
1.7553
0.465
Expected Loss Rates in Dollars Per Sq. Ft.
of Wallboard Installed
((Class
2020
2021
2022
Primary Ratio
540
0.0123
0.0108
0.0091
0.459
541
0.0067
0.0059
0.0050
0.435
550
0.0274
0.0242
0.0209
0.338
551
0.0096
0.0085
0.0072
0.376))
Class
2021
2022
2023
Primary Ratio
540
0.0123
0.0106
0.0098
0.469
541
0.0062
0.0053
0.0049
0.445
550
0.0284
0.0245
0.0226
0.354
551
0.0096
0.0083
0.0077
0.361
AMENDATORY SECTION(Amending WSR 23-24-039, filed 11/30/23, effective 1/1/24)
WAC 296-17-890Table IV.
Maximum Experience Modifications
For Firms with No Compensable Accidents:
Effective January 1, ((2024))2025
Expected Loss Range
Maximum Experience Modification
((1
-
5,490
 
0.90
5,491
-
6,703
 
0.89
6,704
-
7,392
 
0.88
7,393
-
8,082
 
0.87
8,083
-
8,772
 
0.86
8,773
-
9,462
 
0.85
9,463
-
10,152
 
0.84
10,153
-
10,841
 
0.83
10,842
-
11,531
 
0.82
11,532
-
12,248
 
0.81
12,249
-
12,995
 
0.80
12,996
-
13,771
 
0.79
13,772
-
14,576
 
0.78
14,577
-
15,411
 
0.77
15,412
-
16,274
 
0.76
16,275
-
17,168
 
0.75
17,169
-
18,090
 
0.74
18,091
-
19,042
 
0.73
19,043
-
20,023
 
0.72
20,024
-
21,034
 
0.71
21,035
-
22,074
 
0.70
22,075
-
23,143
 
0.69
23,144
-
24,242
 
0.68
24,243
-
25,370
 
0.67
25,371
-
26,527
 
0.66
26,528
-
27,714
 
0.65
27,715
-
29,494
 
0.64
29,495
-
32,164
 
0.63
32,165
-
36,169
 
0.62
36,170
-
42,177
 
0.61
42,178
and higher
 
0.60))
1
-
5,435
 
0.90
5,436
-
6,636
 
0.89
6,637
-
7,319
 
0.88
7,320
-
8,002
 
0.87
8,003
-
8,685
 
0.86
8,686
-
9,368
 
0.85
9,369
-
10,051
 
0.84
10,052
-
10,735
 
0.83
10,736
-
11,418
 
0.82
11,419
-
12,128
 
0.81
12,129
-
12,868
 
0.80
12,869
-
13,636
 
0.79
13,637
-
14,433
 
0.78
14,434
-
15,260
 
0.77
15,261
-
16,115
 
0.76
16,116
-
17,000
 
0.75
17,001
-
17,913
 
0.74
17,914
-
18,856
 
0.73
18,857
-
19,827
 
0.72
19,828
-
20,828
 
0.71
20,829
-
21,858
 
0.70
21,859
-
22,916
 
0.69
22,917
-
24,004
 
0.68
24,005
-
25,120
 
0.67
25,121
-
26,266
 
0.66
26,267
-
27,441
 
0.65
27,442
-
29,202
 
0.64
29,203
-
31,845
 
0.63
31,846
-
35,810
 
0.62
35,811
-
41,756
 
0.61
41,757
and higher
 
0.60
AMENDATORY SECTION(Amending WSR 23-17-146, filed 8/22/23, effective 10/1/23)
WAC 296-17-901Risk classification hazard group table.
Effective October 1, 2023.
Risk Classification
Hazard Group
101
9
103
9
104
8
105
4
106
7
107
9
108
9
112
8
201
9
202
9
210
9
212
8
214
9
217
7
219
7
301
5
302
9
303
9
306
9
307
7
308
3
403
6
502
7
504
8
507
9
508
9
509
9
510
7
511
7
512
8
513
7
514
7
516
8
517
9
518
9
519
8
521
7
540
8
541
9
550
9
551
9
601
8
602
9
603
9
604
7
606
3
607
6
608
7
701
9
803
5
901
8
1002
7
1003
5
1004
6
1005
8
1006
4
1007
7
1101
5
1102
8
1103
7
1104
4
1105
6
1106
3
1108
5
1109
7
1301
6
1303
4
1304
4
1305
6
1401
5
1404
3
1405
4
1407
3
1408
5
1501
6
1507
4
1701
8
1702
9
1703
9
1704
7
1801
8
1802
8
2002
6
2004
2
2007
7
2008
3
2009
3
2101
5
2102
3
2103
2
2104
2
2105
3
2106
4
2201
3
2202
5
2203
2
2204
3
2401
6
2903
4
2904
7
2905
3
2906
6
2907
3
2908
4
2909
7
3101
6
3102
7
3103
7
3104
4
3105
5
3303
4
3304
3
3309
4
3402
6
3403
5
3404
4
3405
5
3406
1
3407
7
3408
2
3409
1
3410
1
3411
6
3412
8
3414
6
3415
6
3501
6
3503
3
3506
8
3509
1
3510
4
3511
6
3512
1
3513
3
3602
4
3603
6
3604
6
3605
4
3701
6
3702
3
3708
6
3802
4
3808
5
3901
1
3902
2
3903
2
3905
1
3906
3
3909
2
4101
4
4103
5
4107
6
4108
3
4109
4
4201
8
4301
4
4302
5
4304
5
4305
6
4401
3
4402
3
4404
4
4501
1
4502
6
4504
1
4802
5
4803
2
4804
3
4805
3
4806
1
4808
6
4809
4
4810
2
4811
3
4812
5
4813
3
4814
2
4815
1
4816