Workers' Comp Rates for Real Estate Agency - All Employees (Class Code 8856)
Description
Covers real estate agents, brokers, and office staff performing property sales and management services.
Common Businesses
Hazard Group
C
National Avg Rate
$1.29
per $100 payroll
Most Expensive States
- New York$1.74
- Alaska$1.70
- California$1.62
Rates by State for Class Code 8856
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 | $0.94 | -0.35 | 2026-01-01 |
| Texas | $0.95 | -0.34 | 2026-07-01 |
| Virginia | $1.00 | -0.29 | 2026-04-01 |
| Utah | $1.02 | -0.27 | 2026-02-01 |
| Arkansas | $1.06 | -0.23 | 2026-07-01 |
| Colorado | $1.07 | -0.22 | 2026-01-01 |
| Tennessee | $1.09 | -0.20 | 2026-03-01 |
| Arizona | $1.10 | -0.19 | 2026-01-01 |
| South Dakota | $1.12 | -0.17 | 2026-07-01 |
| Nebraska | $1.13 | -0.16 | 2026-02-01 |
| North Carolina | $1.13 | -0.16 | 2026-04-01 |
| Idaho | $1.14 | -0.15 | 2026-01-01 |
| Kansas | $1.15 | -0.14 | 2026-01-01 |
| Mississippi | $1.16 | -0.13 | 2026-03-01 |
| New Mexico | $1.18 | -0.11 | 2026-01-01 |
| South Carolina | $1.19 | -0.10 | 2025-04-01 |
| Kentucky | $1.20 | -0.09 | 2026-01-01 |
| Iowa | $1.22 | -0.07 | 2026-01-01 |
| Missouri | $1.24 | -0.05 | 2026-01-01 |
| Nevada | $1.25 | -0.04 | 2026-03-01 |
| Georgia | $1.26 | -0.03 | 2026-03-01 |
| Maryland | $1.26 | -0.03 | 2026-01-01 |
| Oregon | $1.27 | -0.02 | 2026-01-01 |
| West Virginia | $1.28 | -0.01 | 2026-01-01 |
| Alabama | $1.30 | +0.01 | 2026-03-01 |
| Minnesota | $1.30 | +0.01 | 2026-01-01 |
| New Hampshire | $1.30 | +0.01 | 2026-01-01 |
| Delaware | $1.32 | +0.03 | 2025-12-01 |
| Maine | $1.32 | +0.03 | 2025-04-01 |
| Wisconsin | $1.32 | +0.03 | 2025-10-01 |
| Michigan | $1.34 | +0.05 | 2026-01-01 |
| Vermont | $1.34 | +0.05 | 2026-04-01 |
| Rhode Island | $1.37 | +0.08 | 2026-08-01 |
| Florida | $1.38 | +0.09 | 2026-01-01 |
| Montana | $1.38 | +0.09 | 2026-07-01 |
| District of Columbia | $1.42 | +0.13 | 2026-01-01 |
| Massachusetts | $1.42 | +0.13 | 2024-07-01 |
| Oklahoma | $1.42 | +0.13 | 2026-01-01 |
| Illinois | $1.44 | +0.15 | 2026-01-01 |
| Connecticut | $1.46 | +0.17 | 2026-01-01 |
| Louisiana | $1.50 | +0.21 | 2026-05-01 |
| Hawaii | $1.54 | +0.25 | 2026-01-01 |
| Pennsylvania | $1.54 | +0.25 | 2026-04-01 |
| New Jersey | $1.56 | +0.27 | 2026-01-01 |
| California | $1.62 | +0.33 | 2025-09-01 |
| Alaska | $1.70 | +0.41 | 2026-01-01 |
| New York | $1.74 | +0.45 | 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 8856 with your own payroll and experience mod.
Related Class Codes
9015
Building Operation - All Other Employees
Hazard Group: C
9012
Building or Property Management - Property Managers and Leasing Agents & Clerical, Salespersons
Hazard Group: B
8817
Real Estate Management
Hazard Group: B
9033
Housing Authority
Hazard Group: B
Frequently Asked Questions
- What is workers' comp class code 8856?
- Class code 8856 (Real Estate Agency - All Employees) is an NCCI workers' compensation classification in the Real Estate & Property industry group. Covers real estate agents, brokers, and office staff performing property sales and management services. Hazard group: C.
- How much is workers' comp insurance for class code 8856?
- The national average rate for class code 8856 is $1.29 per $100 of payroll, across the 47 jurisdictions rated on that basis. Cheapest states: Indiana ($0.94), Texas ($0.95), Virginia ($1.00). Most expensive: New York ($1.74), Alaska ($1.70), California ($1.62). 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 8856?
- Class code 8856 typically applies to Real estate brokerages, Property management firms, Commercial real estate agencies, Real estate investment firms, Rental agencies.
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