How useful are rough workers’ comp estimate tools for small business owners, really?

Hi everyone — I’ve been thinking about how confusing workers’ comp is for a lot of small business owners, especially when they’re just trying to get a rough idea of cost before talking to anyone.

I’ve been working on a simple Pennsylvania-focused estimate tool on the side, based on payroll and class code inputs, and updating it around the PCRB filing effective April 1, 2026.

Not trying to pitch anything here — I’m more curious what people in insurance think.

Do tools like this actually help business owners understand workers’ comp a little better, or do they usually create more confusion because there are so many variables behind the scenes?

Would be really interested to hear where you think something like this could be useful, and where it could easily oversimplify things.