Workers' Comp Rates for Daycare Center (Class Code 8854)
Description
Covers employees of daycare centers providing childcare, early education, and supervision services.
Common Businesses
Hazard Group
C
National Avg Rate
$2.68
per $100 payroll
Most Expensive States
- New York$3.63
- Alaska$3.55
- California$3.38
Rates by State for Class Code 8854
47 jurisdictions rate this code per $100 of payroll. North Dakota, Ohio, Washington and Wyoming are not included. Each is a monopolistic state fund that sets premium on its own basis rather than on an NCCI class-code rate per $100 of payroll, so there is no comparable figure to average or rank.
| State | Rate per $100 | vs. National Avg | Effective |
|---|---|---|---|
| Indiana | $1.95 | -0.73 | 2026-01-01 |
| Texas | $1.97 | -0.71 | 2026-07-01 |
| Virginia | $2.07 | -0.61 | 2026-04-01 |
| Utah | $2.13 | -0.55 | 2026-02-01 |
| Arkansas | $2.20 | -0.48 | 2026-07-01 |
| Colorado | $2.23 | -0.45 | 2026-01-01 |
| Tennessee | $2.28 | -0.40 | 2026-03-01 |
| Arizona | $2.30 | -0.38 | 2026-01-01 |
| South Dakota | $2.33 | -0.35 | 2026-07-01 |
| Nebraska | $2.35 | -0.33 | 2026-02-01 |
| North Carolina | $2.35 | -0.33 | 2026-04-01 |
| Idaho | $2.38 | -0.30 | 2026-01-01 |
| Kansas | $2.40 | -0.28 | 2026-01-01 |
| Mississippi | $2.42 | -0.26 | 2026-03-01 |
| New Mexico | $2.45 | -0.23 | 2026-01-01 |
| South Carolina | $2.48 | -0.20 | 2026-04-01 |
| Kentucky | $2.50 | -0.18 | 2026-01-01 |
| Iowa | $2.55 | -0.13 | 2026-01-01 |
| Missouri | $2.58 | -0.10 | 2026-01-01 |
| Nevada | $2.60 | -0.08 | 2026-03-01 |
| Georgia | $2.63 | -0.05 | 2026-03-01 |
| Maryland | $2.63 | -0.05 | 2026-01-01 |
| Oregon | $2.65 | -0.03 | 2026-01-01 |
| West Virginia | $2.68 | +0.00 | 2026-01-01 |
| Alabama | $2.70 | +0.02 | 2026-03-01 |
| Minnesota | $2.70 | +0.02 | 2026-01-01 |
| New Hampshire | $2.70 | +0.02 | 2026-01-01 |
| Delaware | $2.75 | +0.07 | 2025-12-01 |
| Maine | $2.75 | +0.07 | 2025-04-01 |
| Wisconsin | $2.75 | +0.07 | 2025-10-01 |
| Michigan | $2.80 | +0.12 | 2026-01-01 |
| Vermont | $2.80 | +0.12 | 2026-04-01 |
| Rhode Island | $2.85 | +0.17 | 2026-08-01 |
| Florida | $2.88 | +0.20 | 2026-01-01 |
| Montana | $2.88 | +0.20 | 2026-07-01 |
| District of Columbia | $2.95 | +0.27 | 2026-01-01 |
| Massachusetts | $2.95 | +0.27 | 2024-07-01 |
| Oklahoma | $2.95 | +0.27 | 2026-01-01 |
| Illinois | $3.00 | +0.32 | 2026-01-01 |
| Connecticut | $3.05 | +0.37 | 2026-01-01 |
| Louisiana | $3.13 | +0.45 | 2026-05-01 |
| Hawaii | $3.20 | +0.52 | 2026-01-01 |
| Pennsylvania | $3.20 | +0.52 | 2026-04-01 |
| New Jersey | $3.25 | +0.57 | 2026-01-01 |
| California | $3.38 | +0.70 | 2025-09-01 |
| Alaska | $3.55 | +0.87 | 2026-01-01 |
| New York | $3.63 | +0.95 | 2025-10-01 |
The rates above are manual rates — step 1 of the eight-step rating-bureau premium algorithm. See what your carrier applies after that, or estimate premium for code 8854 with your own payroll and experience mod.
Related Class Codes
9101
School - All Employees
Hazard Group: B
8868
College or University - Professional Employees
Hazard Group: B
9008
Schools - Vocational
Hazard Group: C
9034
Library - All Employees
Hazard Group: A
Frequently Asked Questions
- What is workers' comp class code 8854?
- Class code 8854 (Daycare Center) is an NCCI workers' compensation classification in the Education industry group. Covers employees of daycare centers providing childcare, early education, and supervision services. Hazard group: C.
- How much is workers' comp insurance for class code 8854?
- The national average rate for class code 8854 is $2.68 per $100 of payroll, across the 47 jurisdictions rated on that basis. Cheapest states: Indiana ($1.95), Texas ($1.97), Virginia ($2.07). Most expensive: New York ($3.63), Alaska ($3.55), California ($3.38). Actual premium depends on your state, payroll, experience modifier, and carrier. North Dakota, Ohio, Washington and Wyoming are not included. Each is a monopolistic state fund that sets premium on its own basis rather than on an NCCI class-code rate per $100 of payroll, so there is no comparable figure to average or rank.
- What businesses use workers' comp class code 8854?
- Class code 8854 typically applies to Daycare centers, Preschools, Child development centers, After-school programs.