Workers' Comp Rates for Home for Aged - All (Class Code 8851)
Description
Covers all employees of residential care facilities for elderly residents including caregivers and support staff.
Common Businesses
Hazard Group
D
National Avg Rate
$5.62
per $100 payroll
Most Expensive States
- New York$7.61
- Alaska$7.46
- California$7.09
Rates by State for Class Code 8851
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 | $4.10 | -1.52 | 2026-01-01 |
| Texas | $4.14 | -1.48 | 2026-07-01 |
| Virginia | $4.36 | -1.26 | 2026-04-01 |
| Utah | $4.46 | -1.16 | 2026-02-01 |
| Arkansas | $4.62 | -1.00 | 2026-07-01 |
| Colorado | $4.67 | -0.95 | 2026-01-01 |
| Tennessee | $4.78 | -0.84 | 2026-03-01 |
| Arizona | $4.83 | -0.79 | 2026-01-01 |
| South Dakota | $4.88 | -0.74 | 2026-07-01 |
| Nebraska | $4.93 | -0.69 | 2026-02-01 |
| North Carolina | $4.93 | -0.69 | 2026-04-01 |
| Idaho | $4.99 | -0.63 | 2026-01-01 |
| Kansas | $5.04 | -0.58 | 2026-01-01 |
| Mississippi | $5.09 | -0.53 | 2026-03-01 |
| New Mexico | $5.15 | -0.47 | 2026-01-01 |
| South Carolina | $5.20 | -0.42 | 2025-04-01 |
| Kentucky | $5.25 | -0.37 | 2026-01-01 |
| Iowa | $5.36 | -0.26 | 2026-01-01 |
| Missouri | $5.41 | -0.21 | 2026-01-01 |
| Nevada | $5.46 | -0.16 | 2026-03-01 |
| Georgia | $5.51 | -0.11 | 2026-03-01 |
| Maryland | $5.51 | -0.11 | 2026-01-01 |
| Oregon | $5.57 | -0.05 | 2026-01-01 |
| West Virginia | $5.62 | +0.00 | 2026-01-01 |
| Alabama | $5.67 | +0.05 | 2026-03-01 |
| Minnesota | $5.67 | +0.05 | 2026-01-01 |
| New Hampshire | $5.67 | +0.05 | 2026-01-01 |
| Delaware | $5.78 | +0.16 | 2025-12-01 |
| Maine | $5.78 | +0.16 | 2025-04-01 |
| Wisconsin | $5.78 | +0.16 | 2025-10-01 |
| Michigan | $5.88 | +0.26 | 2026-01-01 |
| Vermont | $5.88 | +0.26 | 2026-04-01 |
| Rhode Island | $5.99 | +0.37 | 2026-08-01 |
| Florida | $6.04 | +0.42 | 2026-01-01 |
| Montana | $6.04 | +0.42 | 2026-07-01 |
| District of Columbia | $6.19 | +0.57 | 2026-01-01 |
| Massachusetts | $6.19 | +0.57 | 2024-07-01 |
| Oklahoma | $6.19 | +0.57 | 2026-01-01 |
| Illinois | $6.30 | +0.68 | 2026-01-01 |
| Connecticut | $6.41 | +0.79 | 2026-01-01 |
| Louisiana | $6.56 | +0.94 | 2026-05-01 |
| Hawaii | $6.72 | +1.10 | 2026-01-01 |
| Pennsylvania | $6.72 | +1.10 | 2026-04-01 |
| New Jersey | $6.83 | +1.21 | 2026-01-01 |
| California | $7.09 | +1.47 | 2025-09-01 |
| Alaska | $7.46 | +1.84 | 2026-01-01 |
| New York | $7.61 | +1.99 | 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 8851 with your own payroll and experience mod.
Related Class Codes
8832
Physician & Clerical
Hazard Group: B
8835
Home Health Care Services
Hazard Group: C
8824
Dental Office - All Employees
Hazard Group: B
8833
Hospital - Professional Employees
Hazard Group: C
8829
Nursing Home - All Employees
Hazard Group: C
Frequently Asked Questions
- What is workers' comp class code 8851?
- Class code 8851 (Home for Aged - All) is an NCCI workers' compensation classification in the Healthcare industry group. Covers all employees of residential care facilities for elderly residents including caregivers and support staff. Hazard group: D.
- How much is workers' comp insurance for class code 8851?
- The national average rate for class code 8851 is $5.62 per $100 of payroll, across the 47 jurisdictions rated on that basis. Cheapest states: Indiana ($4.10), Texas ($4.14), Virginia ($4.36). Most expensive: New York ($7.61), Alaska ($7.46), California ($7.09). 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 8851?
- Class code 8851 typically applies to Assisted living facilities, Senior care homes, Retirement communities, Elder care residences.