Rural Versus Urban Workers' Comp Rates: More Than Mere Numbers

Driving a combine harvester through a wheat field or welding bolts on the side of a sky scraper 200 feet up. Which employer will have higher workers’ comp rates? It’s not the easiest question to answer given all the variables, but access to care and safety programs play as big a role as risk. From a big picture standpoint, the larger industries in urban areas employ more workers’ in myriad professions. It stands to reason there will be more accidents and likely higher workers’ comp rates. Depending on the industry there may be a greater quantity of classifications, but they vary in risk. Even in a low risk profession, a serious injury or two can cause rates to sky rocket, a huge expense especially for a small firm.

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