Workers' Comp Rates for Optometry Office (Class Code 8825)
Description
Covers optometrists and staff performing eye examinations, vision testing, and dispensing corrective lenses.
Common Businesses
Hazard Group
A
National Avg Rate
$0.43
per $100 payroll
Most Expensive States
- New York$0.58
- Alaska$0.57
- California$0.54
Rates by State for Class Code 8825
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 | $0.31 | -0.12 | 2026-01-01 |
| Texas | $0.32 | -0.11 | 2026-07-01 |
| Virginia | $0.33 | -0.10 | 2026-04-01 |
| Utah | $0.34 | -0.09 | 2026-02-01 |
| Arkansas | $0.35 | -0.08 | 2026-07-01 |
| Colorado | $0.36 | -0.07 | 2026-01-01 |
| Tennessee | $0.36 | -0.07 | 2026-03-01 |
| Arizona | $0.37 | -0.06 | 2026-01-01 |
| South Dakota | $0.37 | -0.06 | 2026-07-01 |
| Idaho | $0.38 | -0.05 | 2026-01-01 |
| Kansas | $0.38 | -0.05 | 2026-01-01 |
| Nebraska | $0.38 | -0.05 | 2026-02-01 |
| North Carolina | $0.38 | -0.05 | 2026-04-01 |
| Mississippi | $0.39 | -0.04 | 2026-03-01 |
| New Mexico | $0.39 | -0.04 | 2026-01-01 |
| Kentucky | $0.40 | -0.03 | 2026-01-01 |
| South Carolina | $0.40 | -0.03 | 2025-04-01 |
| Iowa | $0.41 | -0.02 | 2026-01-01 |
| Missouri | $0.41 | -0.02 | 2026-01-01 |
| Georgia | $0.42 | -0.01 | 2026-03-01 |
| Maryland | $0.42 | -0.01 | 2026-01-01 |
| Nevada | $0.42 | -0.01 | 2026-03-01 |
| Oregon | $0.42 | -0.01 | 2026-01-01 |
| Alabama | $0.43 | +0.00 | 2026-03-01 |
| Minnesota | $0.43 | +0.00 | 2026-01-01 |
| New Hampshire | $0.43 | +0.00 | 2026-01-01 |
| West Virginia | $0.43 | +0.00 | 2026-01-01 |
| Delaware | $0.44 | +0.01 | 2025-12-01 |
| Maine | $0.44 | +0.01 | 2025-04-01 |
| Wisconsin | $0.44 | +0.01 | 2025-10-01 |
| Michigan | $0.45 | +0.02 | 2026-01-01 |
| Vermont | $0.45 | +0.02 | 2026-04-01 |
| Florida | $0.46 | +0.03 | 2026-01-01 |
| Montana | $0.46 | +0.03 | 2026-07-01 |
| Rhode Island | $0.46 | +0.03 | 2026-08-01 |
| District of Columbia | $0.47 | +0.04 | 2026-01-01 |
| Massachusetts | $0.47 | +0.04 | 2024-07-01 |
| Oklahoma | $0.47 | +0.04 | 2026-01-01 |
| Illinois | $0.48 | +0.05 | 2026-01-01 |
| Connecticut | $0.49 | +0.06 | 2026-01-01 |
| Louisiana | $0.50 | +0.07 | 2026-05-01 |
| Hawaii | $0.51 | +0.08 | 2026-01-01 |
| Pennsylvania | $0.51 | +0.08 | 2026-04-01 |
| New Jersey | $0.52 | +0.09 | 2026-01-01 |
| California | $0.54 | +0.11 | 2025-09-01 |
| Alaska | $0.57 | +0.14 | 2026-01-01 |
| New York | $0.58 | +0.15 | 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 8825 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 8825?
- Class code 8825 (Optometry Office) is an NCCI workers' compensation classification in the Healthcare industry group. Covers optometrists and staff performing eye examinations, vision testing, and dispensing corrective lenses. Hazard group: A.
- How much is workers' comp insurance for class code 8825?
- The national average rate for class code 8825 is $0.43 per $100 of payroll, across the 47 jurisdictions rated on that basis. Cheapest states: Indiana ($0.31), Texas ($0.32), Virginia ($0.33). Most expensive: New York ($0.58), Alaska ($0.57), California ($0.54). 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 8825?
- Class code 8825 typically applies to Optometry offices, Vision care centers, Optical shops, Eye care clinics.