Workers' Comp Rates for Furniture Moving & Storage, Drivers (Class Code 8293)
Last verified: 2026-06-07 · Reviewed against NCCI and state rating-bureau filings — how we verify
Description
Covers furniture moving and storage operations, including packing or handling household goods away from the employer's premises and portable household-goods storage containers.
Common Businesses
Hazard Group
E
National Avg Rate
$5.09
per $100 payroll
Most Expensive States
- New York$6.89
- Alaska$6.74
- California$6.41
Rates by State for Class Code 8293
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 | $3.71 | -1.38 | 2026-01-01 |
| Texas | $3.75 | -1.34 | 2026-07-01 |
| Virginia | $3.94 | -1.15 | 2026-04-01 |
| Utah | $4.04 | -1.05 | 2026-02-01 |
| Arkansas | $4.18 | -0.91 | 2026-07-01 |
| Colorado | $4.23 | -0.86 | 2026-01-01 |
| Tennessee | $4.32 | -0.77 | 2026-03-01 |
| Arizona | $4.37 | -0.72 | 2026-01-01 |
| South Dakota | $4.42 | -0.67 | 2026-07-01 |
| Nebraska | $4.47 | -0.62 | 2026-02-01 |
| North Carolina | $4.47 | -0.62 | 2026-04-01 |
| Idaho | $4.51 | -0.58 | 2026-01-01 |
| Kansas | $4.56 | -0.53 | 2026-01-01 |
| Mississippi | $4.61 | -0.48 | 2026-03-01 |
| New Mexico | $4.66 | -0.43 | 2026-01-01 |
| South Carolina | $4.70 | -0.39 | 2026-04-01 |
| Kentucky | $4.75 | -0.34 | 2026-01-01 |
| Iowa | $4.85 | -0.24 | 2026-01-01 |
| Missouri | $4.89 | -0.20 | 2026-01-01 |
| Nevada | $4.94 | -0.15 | 2026-03-01 |
| Georgia | $4.99 | -0.10 | 2026-03-01 |
| Maryland | $4.99 | -0.10 | 2026-01-01 |
| Oregon | $5.04 | -0.05 | 2026-01-01 |
| West Virginia | $5.08 | -0.01 | 2026-01-01 |
| Alabama | $5.13 | +0.04 | 2026-03-01 |
| Minnesota | $5.13 | +0.04 | 2026-01-01 |
| New Hampshire | $5.13 | +0.04 | 2026-01-01 |
| Delaware | $5.23 | +0.14 | 2025-12-01 |
| Maine | $5.23 | +0.14 | 2025-04-01 |
| Wisconsin | $5.23 | +0.14 | 2025-10-01 |
| Michigan | $5.32 | +0.23 | 2026-01-01 |
| Vermont | $5.32 | +0.23 | 2026-04-01 |
| Rhode Island | $5.41 | +0.32 | 2026-08-01 |
| Florida | $5.46 | +0.37 | 2026-01-01 |
| Montana | $5.46 | +0.37 | 2026-07-01 |
| District of Columbia | $5.61 | +0.52 | 2026-01-01 |
| Massachusetts | $5.61 | +0.52 | 2024-07-01 |
| Oklahoma | $5.61 | +0.52 | 2026-01-01 |
| Illinois | $5.70 | +0.61 | 2026-01-01 |
| Connecticut | $5.80 | +0.71 | 2026-01-01 |
| Louisiana | $5.94 | +0.85 | 2026-05-01 |
| Hawaii | $6.08 | +0.99 | 2026-01-01 |
| Pennsylvania | $6.08 | +0.99 | 2026-04-01 |
| New Jersey | $6.18 | +1.09 | 2026-01-01 |
| California | $6.41 | +1.32 | 2025-09-01 |
| Alaska | $6.74 | +1.65 | 2026-01-01 |
| New York | $6.89 | +1.80 | 2025-10-01 |
How Class Code 8293 Rates Are Spread Across the States
Across 47 states, the estimated workers' comp rate for NCCI class code 8293 (Furniture Moving & Storage, Drivers) ranges from $3.71 to $6.89 per $100 of payroll, with a national average of $5.09 and a median of $5.08. Each bar counts the states whose estimated rate falls in that range — shaded cheaper (green) to pricier (red). The dashed line marks the national average.
Distribution across 47 states. Rates are a modeled benchmark (NCCI base-rate catalogue × state rate multiplier, catalogue retrieved 2026-06-07) and are not reconciled to filed state loss costs — see the calibration measurement and our rate disclaimer.
View the rate distribution as a data table
| Rate range / $100 | States | Which states |
|---|---|---|
| $3.71–$4.11 | 4 | Indiana, Texas, Virginia, Utah |
| $4.11–$4.50 | 7 | Arkansas, Colorado, Tennessee, Arizona, South Dakota, Nebraska, North Carolina |
| $4.50–$4.90 | 8 | Idaho, Kansas, Mississippi, New Mexico, South Carolina, Kentucky, Iowa, Missouri |
| $4.90–$5.30 | 11 | Nevada, Georgia, Maryland, Oregon, West Virginia, Alabama, Minnesota, New Hampshire, Delaware, Maine, Wisconsin |
| $5.30–$5.70 | 8 | Michigan, Vermont, Rhode Island, Florida, Montana, District of Columbia, Massachusetts, Oklahoma |
| $5.70–$6.09 | 5 | Illinois, Connecticut, Louisiana, Hawaii, Pennsylvania |
| $6.09–$6.49 | 2 | New Jersey, California |
| $6.49–$6.89 | 2 | Alaska, New York |
| Summary | 47 | Min $3.71 · Median $5.08 · Avg $5.09 · Max $6.89 |
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 8293 with your own payroll and experience mod.
Related Class Codes
7380
Commercial Drivers
Hazard Group: D
8385
Bus Co - Garage Employees
Hazard Group: E
7219
Trucking - Long Haul
Hazard Group: E
7382
Bus Company - All Employees
Hazard Group: D
7403
Aircraft Operation - NOC
Hazard Group: E
About Class Code 8293: Scope, Inclusions, and Common Misclassifications
NCCI Class Code 8293 — officially phrased "Furniture Moving & Storage — Drivers" (some bureaus title it "Storage Warehouse — Furniture & Drivers") — is the workers' compensation classification for local moving and storage companies that move and/or store household or office furniture for individual customers. It is the code household movers, van lines' local agents, and furniture-storage operators are written under, and it covers the whole field workforce of the move: the drivers, the packers who go to the customer's home or office to box and wrap belongings, the loaders and helpers who carry and load the truck, and the crew that unloads and places the furniture at the destination. Because the work is heavy lifting, stair-and-doorway carrying, and time on the road, 8293 sits in NCCI hazard group E.
A defining feature of 8293 is that the firm has no equity in the goods it handles — it moves and stores other people's furniture rather than selling its own inventory. The classification also takes in the warehouse side of a moving-and-storage operation: warehouse employees who move or repack items in storage, the maintenance of the warehouse and its equipment, and the receipt, safekeeping, and release of furniture from storage, including portable household-goods storage containers. This page compares filed base-rate estimates for 8293 across states so a moving company or furniture-storage operator can see the spread before requesting a quote; the figure shown is an illustrative benchmark from published loss-cost filings, not a binding quote.
What's Included Under Class Code 8293
8293 contemplates a single moving-and-storage exposure end to end. On the moving side it includes the drivers and the packing or handling of household or office goods performed away from the insured's own premises — the packers dispatched to the customer's location, the loaders and helpers (who are not drivers), and the crew that unloads and sets the furniture in place at the destination. On the storage side it includes warehouse employees who move or repack stored items, the maintenance of the warehouse and its equipment, and the receipt, safekeeping, and subsequent release of furniture from storage. Local household-goods movers, office-furniture movers, and furniture-storage warehouses serving individual customers are the prototypical 8293 risks.
The classification assumes the insured holds no equity in the furniture — it is custodial moving and storage, not retail. Because the heavy lifting, carrying on stairs and through doorways, and over-the-road driving all live in one code, the rate is built around lifting strains, slips and falls, and vehicle exposure. As with every class, 8293 is assigned from the operations actually performed during the policy year, so a mover's field crew, driver, and warehouse payroll all report here rather than being split toward a lighter code.
When the Work Is NOT Coded 8293
The most common boundary is general warehousing. 8293 is specifically furniture moving and storage for individual customers; a warehouse storing general merchandise for other businesses is the not-otherwise-classified storage code (NCCI 8292, Storage Warehouse NOC) instead, and the storage of new, unsold furniture for a manufacturer or dealer is a manufacturer/dealer warehousing exposure rather than the customer-furniture code 8293. If an operation both moves household goods and warehouses general freight for businesses, the two exposures can carry different classifications.
8293 is also distinct from general trucking. A for-hire carrier hauling general merchandise or freight under contract is 7219 Trucking NOC — All Employees & Drivers, not 8293 — the household-goods mover stays in 8293 even on longer hauls because the governing operation is furniture moving and storage, while a plain freight carrier is trucking. Within a moving company, the standard-exception staff are separated where the state bureau allows it: office dispatchers, schedulers, and billing clerks are 8810 Clerical Office Employees and outside estimators or sales reps who travel to quote moves are 8742 Outside Sales Personnel. Independent-bureau states — California (WCIRB), Pennsylvania (PCRB), Delaware (DCRB), New Jersey (NJCRIB), Michigan (CAOM), and North Carolina (NCRB) — maintain their own classification systems and may assign movers a different code number or moving/storage split than NCCI's 8293, so an operator in those states should confirm classification with the state bureau rather than relying on the national number.
Sources
- GeneralLiabilityInsure — NCCI Class Code 8293 Warehousing — Furniture & Drivers (moving and storing household/office furniture for individual customers, no equity in goods, included workers) (retrieved 2026-06-07)
- Class Codes — Workers Compensation Code 8293 (drivers, packing/handling away from premises, warehouse maintenance, receipt/safekeeping/release of furniture from storage) (retrieved 2026-06-07)
- NYCIRB Classification Digest — Class 8293 Phraseology and Description (Storage Warehouse — Furniture & Drivers; boundary vs general warehousing 8292) (retrieved 2026-06-07)
Frequently Asked Questions
- What is workers' comp class code 8293?
- Class code 8293 is NCCI's "Furniture Moving & Storage — Drivers" classification (also titled "Storage Warehouse — Furniture & Drivers"), the code for local moving and storage companies that move and/or store household or office furniture for individual customers. It covers the drivers, packers, loaders, and helpers on the move plus the warehouse employees who store and repack the furniture. The firm has no equity in the goods it handles, and the code sits in NCCI hazard group E.
- How much is workers' comp insurance for class code 8293?
- The national average rate for class code 8293 is $5.09 per $100 of payroll, across the 47 jurisdictions rated on that basis. Cheapest states: Indiana ($3.71), Texas ($3.75), Virginia ($3.94). Most expensive: New York ($6.89), Alaska ($6.74), California ($6.41). 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 8293?
- Class code 8293 typically applies to Furniture moving companies, Household movers, Moving and storage companies, Portable storage container delivery firms.
- What's the difference between code 8293 and 8292?
- 8293 is furniture moving and storage for individual customers — household and office movers and the warehouses that store their customers' furniture. NCCI 8292 (Storage Warehouse NOC) is the not-otherwise-classified code for warehousing general merchandise for other businesses where the warehouse has no equity in the goods. In short, customer-furniture moving and storage is 8293; general-merchandise warehousing that isn't furniture moving is 8292.
- Is a local moving company classified under 8293 or trucking code 7219?
- A household-goods or furniture mover is 8293, not 7219. Code 7219 is "Trucking NOC — All Employees & Drivers" for for-hire carriers hauling general merchandise or freight under contract; the governing operation for a moving company is furniture moving and storage, so the drivers and crew stay in 8293 even on longer-distance moves. A plain freight-hauling trucker, by contrast, is 7219.
- Are a moving company's office and sales staff also coded 8293?
- Not necessarily. Where the governing state bureau's standard-exception rules allow it, office dispatchers, schedulers, and billing clerks are separately rated as 8810 Clerical Office Employees, and outside estimators or sales reps who travel to customers to quote moves are 8742 Outside Sales Personnel. The field crew — drivers, packers, loaders, and warehouse workers — reports under 8293.
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