I know how essential it is for you to manage your workers' compensation rates efficiently on QuickBooks Online, @Gina219. I'm here to provide you with some valuable information that can help you with this.

If you don't have a policy purchased through a QuickBooks insurance partner like NEXT, you can manually manage your worker's comp in QBO. You can follow the steps below to do so:

1. Go to Payroll, then Employees.
2. Select your employee.
3. From the Workers' Comp section, select Start or Edit.
   
   
4. Select I have the tax rate, then click the +Add worker's comp tax rate.
5. Enter the necessary details.
6. Once done, click Save.
   
   

Please know that this option varies with the work location. Thus, some states don't have this in their employee's profile. With this, I recommend sending your valuable feedback to our product engineers to add this feature for future product updates. 

In the meantime, you may consider assigning classes to your employees to keep track of them within the program. Here's how:

1. Go to Payroll, then Employees.
2. Select your employee.
3. From Employment details, select Start or Edit.
4. Enter the name of the worker's comp class to filter your payroll reports by workers' comp class.
5. Select Save.
   
   
   

Then, track them by running a Workers' Compensation report:

1. Select Reports.
2. Find the Workers' Compensation report from the search bar or scroll down to the Payroll section.
3. Change the Date Range if needed, then select Apply.

Moreover, I'm sharing these articles for information on managing compensation insurance in QuickBooks: 

• Learn about and get workers’ compensation insurance.
• Set up and manage Washington (WA) workers' compensation.

I'll be here to continue helping if you have any other concerns or questions about QuickBooks Online. Assistance is just a post away. Take care always.