Calculating premiums

Workers’ comp premiums are based on the estimated payroll for each job classification. Each classification has its own rate, which is applied to every $100 in payroll for that classification. For dental practices, the classifications are clerical and/or office employees; dental assistants, hygienists, and employee dentists; and in some cases, janitorial, maintenance or custodial.

Annual payroll audits are required by workers’ comp carriers to true up the estimated payroll against the actual payroll. For some, a refund may result; others may pay additional premium.

To get a workers’ comp quote, you’ll need your estimated payroll for the coverage year and information about your loss experience.

Call 800-860-2272 and speak with a commercial lines agent.