How and Where to Obtain a California Workers' Compensation Rating

What Is a Workers' Compensation Rating?

A workers' compensation rating in California is a numerical value assigned to a business that reflects its history of workplace injuries and claims. The rating is used by the State Compensation Insurance Fund (SCIF) and private insurers to determine the premium a company will pay for workers' comp coverage.

Who Sets the Rating?

In California, ratings are set by the California Department of Industrial Relations (DIR) and the California Division of Labor Standards Enforcement (DLSE). The California Insurance Commissioner's office also reviews ratings for private insurers.

How Is the Rating Calculated?

Ratings are based on a company's claim history over a specific period, typically the most recent 3–5 years. The formula considers:

• Frequency of claims
• Severity (total days lost and medical costs)
• Industry classification (NAICS code)
• Safety programs and training

Where Can You Find Your Rating?

Online Access

Most employers can view their rating through the SCIF's online portal or the California Department of Industrial Relations website. You'll need:

• Employer identification number (EIN)
• SCIF account credentials or a DLSE login

In-Person Requests

If you prefer a paper copy or need assistance, visit a local SCIF office or a DLSE regional office. Bring your EIN and any prior rating statements.

Third-Party Brokers

Insurance brokers and agents who sell workers' comp policies often have access to rating reports and can provide a copy upon request.

How to Request a Rating Statement

1. Log In to the SCIF portal or contact the DLSE.

2. Navigate to the "Ratings" or "Claims History" section.

3. Enter your business details and submit the request.

4. Receive the rating statement via email, portal download, or mailed paper copy.

Understanding the Rating Scale

Ratings are expressed as a decimal value. Lower numbers indicate a lower risk and result in cheaper premiums. For example, a rating of 0.15 is better (lower cost) than 0.35.

Common Questions

Can I Change My Rating?

Ratings are updated annually. Improving workplace safety, reducing claims, and maintaining accurate reporting can help lower future ratings.

Is the Rating Public?

No. Ratings are confidential and only shared with the business, its insurer, and regulatory agencies.

What If I Disagree With My Rating?

You can appeal through the DLSE by submitting documentation that demonstrates a more accurate claim history.

Sample Rating Table