Workers' Comp Rates for Social Services Organization (Class Code 8864)
Last verified: 2026-05-24 · Reviewed against NCCI and state rating-bureau filings — how we verify
Description
Covers employees of social service organizations providing community assistance, counseling, and outreach programs.
Common Businesses
Hazard Group
B
National Avg Rate
$1.34
per $100 payroll
Most Expensive States
- New York$1.81
- Alaska$1.78
- California$1.69
Rates by State for Class Code 8864
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 | $0.98 | -0.36 | 2026-01-01 |
| Texas | $0.99 | -0.35 | 2026-07-01 |
| Virginia | $1.04 | -0.30 | 2026-04-01 |
| Utah | $1.06 | -0.28 | 2026-02-01 |
| Arkansas | $1.10 | -0.24 | 2026-07-01 |
| Colorado | $1.11 | -0.23 | 2026-01-01 |
| Tennessee | $1.14 | -0.20 | 2026-03-01 |
| Arizona | $1.15 | -0.19 | 2026-01-01 |
| South Dakota | $1.16 | -0.18 | 2026-07-01 |
| Nebraska | $1.17 | -0.17 | 2026-02-01 |
| North Carolina | $1.17 | -0.17 | 2026-04-01 |
| Idaho | $1.19 | -0.15 | 2026-01-01 |
| Kansas | $1.20 | -0.14 | 2026-01-01 |
| Mississippi | $1.21 | -0.13 | 2026-03-01 |
| New Mexico | $1.23 | -0.11 | 2026-01-01 |
| South Carolina | $1.24 | -0.10 | 2026-04-01 |
| Kentucky | $1.25 | -0.09 | 2026-01-01 |
| Iowa | $1.27 | -0.07 | 2026-01-01 |
| Missouri | $1.29 | -0.05 | 2026-01-01 |
| Nevada | $1.30 | -0.04 | 2026-03-01 |
| Georgia | $1.31 | -0.03 | 2026-03-01 |
| Maryland | $1.31 | -0.03 | 2026-01-01 |
| Oregon | $1.33 | -0.01 | 2026-01-01 |
| West Virginia | $1.34 | +0.00 | 2026-01-01 |
| Alabama | $1.35 | +0.01 | 2026-03-01 |
| Minnesota | $1.35 | +0.01 | 2026-01-01 |
| New Hampshire | $1.35 | +0.01 | 2026-01-01 |
| Delaware | $1.38 | +0.04 | 2025-12-01 |
| Maine | $1.38 | +0.04 | 2025-04-01 |
| Wisconsin | $1.38 | +0.04 | 2025-10-01 |
| Michigan | $1.40 | +0.06 | 2026-01-01 |
| Vermont | $1.40 | +0.06 | 2026-04-01 |
| Rhode Island | $1.42 | +0.08 | 2026-08-01 |
| Florida | $1.44 | +0.10 | 2026-01-01 |
| Montana | $1.44 | +0.10 | 2026-07-01 |
| District of Columbia | $1.48 | +0.14 | 2026-01-01 |
| Massachusetts | $1.48 | +0.14 | 2024-07-01 |
| Oklahoma | $1.48 | +0.14 | 2026-01-01 |
| Illinois | $1.50 | +0.16 | 2026-01-01 |
| Connecticut | $1.53 | +0.19 | 2026-01-01 |
| Louisiana | $1.56 | +0.22 | 2026-05-01 |
| Hawaii | $1.60 | +0.26 | 2026-01-01 |
| Pennsylvania | $1.60 | +0.26 | 2026-04-01 |
| New Jersey | $1.63 | +0.29 | 2026-01-01 |
| California | $1.69 | +0.35 | 2025-09-01 |
| Alaska | $1.78 | +0.44 | 2026-01-01 |
| New York | $1.81 | +0.47 | 2025-10-01 |
How Class Code 8864 Rates Are Spread Across the States
Across 47 states, the estimated workers' comp rate for NCCI class code 8864 (Social Services Organization) ranges from $0.98 to $1.81 per $100 of payroll, with a national average of $1.34 and a median of $1.34. 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 2026-05-24) 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 |
|---|---|---|
| $0.98–$1.08 | 4 | Indiana, Texas, Virginia, Utah |
| $1.08–$1.19 | 7 | Arkansas, Colorado, Tennessee, Arizona, South Dakota, Nebraska, North Carolina |
| $1.19–$1.29 | 8 | Idaho, Kansas, Mississippi, New Mexico, South Carolina, Kentucky, Iowa, Missouri |
| $1.29–$1.40 | 11 | Nevada, Georgia, Maryland, Oregon, West Virginia, Alabama, Minnesota, New Hampshire, Delaware, Maine, Wisconsin |
| $1.40–$1.50 | 8 | Michigan, Vermont, Rhode Island, Florida, Montana, District of Columbia, Massachusetts, Oklahoma |
| $1.50–$1.60 | 5 | Illinois, Connecticut, Louisiana, Hawaii, Pennsylvania |
| $1.60–$1.71 | 2 | New Jersey, California |
| $1.71–$1.81 | 2 | Alaska, New York |
| Summary | 47 | Min $0.98 · Median $1.34 · Avg $1.34 · Max $1.81 |
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 8864 with your own payroll and experience mod.
Related Class Codes
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About Class Code 8864: Scope, Inclusions, and Common Misclassifications
NCCI Class Code 8864 — "Social Services Organization — All Employees & Salespersons, Drivers" — is the classification most nonprofits, community agencies, and counseling organizations mean when they search "class code 8864" or "8864 workers comp code." Bureau scope descriptions apply it to charitable, welfare, and social-service organizations that assist people facing hardship: troubled youth, children in crisis, abused individuals, people with disabilities, those in financial or employment difficulty, and individuals completing drug- or alcohol-related community service.
It is a low-hazard, office-and-fieldwork services classification, which is why employers expect a modest rate and are surprised when an auditor moves part of the payroll elsewhere. The deciding question is not whether the organization is a nonprofit — tax-exempt status does not by itself drive workers' comp classification — but what the organization actually does. The moment a social-services agency houses clients overnight as its regular function, operates a school open to the public, or delivers significant medical treatment, some of its payroll can leave 8864. This page compares the filed base-rate estimate for 8864 across states so a buyer can see the range before requesting a quote; the separate nonprofit workers' comp insurance guide explains when paid staff and volunteers require coverage.
What's Included Under Class Code 8864
Bureau scope guidance describes 8864 as covering organizations that provide charitable, welfare, or social services to people in need. Typical 8864 operations include intake and client assessment, case management, on-site counseling, outreach and referral, education and life-skills programs, vocational training, and job placement. Meals provided to clients, transportation arranged for clients, and administrative, fundraising, and program staff are commonly part of the 8864 exposure.
The phraseology includes salespersons and drivers. Development or fundraising staff and drivers who transport clients, food, donations, or supplies as part of the organization's own operation are generally included in 8864 when the state phraseology lists salespersons and drivers. A separate trucking or delivery business should not be folded into 8864 simply because the cargo serves a charitable purpose.
Medical care under 8864 is limited. Scope guidance allows incidental first aid but not the significant medical treatment found in a clinic or hospital. An organization that begins delivering substantial outpatient medical, psychiatric, or nursing care is performing a different operation than community social services, and that payroll is reviewed under a medical classification. The code is searched as "8864 workers comp code" or "class code 8864" because agencies need the rate quickly, but the rate table on this page is a filing-based estimate, not a quote — final premium still depends on payroll, carrier loss-cost multipliers, experience modification, and minimum premium.
When Social-Services Work Is Not 8864
Overnight residential care is the first boundary. An 8864 organization may occasionally arrange shelter, but when housing or providing overnight accommodations to clients on a regular basis is the organization's actual function, the operation is residential care rather than community social services. Long-term residential and overnight care of the elderly, disabled, or convalescent is reviewed under a residential classification such as nursing home — all employees 8829, depending on the state and the population served.
Significant medical treatment is the second boundary. Outpatient medical and psychiatric practices belong in physician & clerical 8832, and inpatient or facility-based care maps to hospital classifications such as hospital professional employees 8833 and hospital all other employees 9040. A counseling-and-referral agency is 8864; a licensed treatment facility staffed by clinical providers is not.
Schools and training institutions are the third boundary. A social-services agency that teaches life skills or job readiness to its own clients usually stays in 8864, but an organization that operates a school, college, or vocational institution open to the public is classified as an educational institution — college or university professional employees 8868 for professional staff and school — all employees 9101 for other employees. Sheltered workshops, thrift stores, and other revenue operations that involve real manufacturing, production, or retail work can carry the governing production or retail classification on that payroll.
Audit Records for Nonprofits and Community Agencies
The cleanest 8864 audit file separates payroll by function before the policy year closes. Keep program descriptions, grant and contract scopes, and payroll splits that distinguish community social services from any residential housing, licensed medical treatment, school operation, or workshop/retail activity the organization also runs. Reconstructing those splits after an auditor asks is far harder than assigning staff correctly during the year.
Volunteers are a recurring question. Unpaid volunteers are generally not payroll, but stipends, in-kind compensation, and any paid coordinators should be tracked, and some states have specific rules for volunteer coverage. Document who is a paid employee versus an unpaid volunteer so the audited payroll matches the actual workforce.
California deserves separate verification. WCIRB administers California's own classification plan rather than applying NCCI codes directly, so a California nonprofit should confirm the correct California classification through the WCIRB classification search before relying on a national 8864 comparison. For every state, the figure on this page is a filing-based base-rate estimate that is still modified by payroll, loss-cost multiplier, experience modification, schedule credits, and minimum premium.
Sources
- NYCIRB Classification Digest - Class 8864 Phraseology and Description (retrieved 2026-05-24)
- WCRB Class Code Lookup - 8864 Social Services Organization (retrieved 2026-05-24)
- WCIRB California Classification Search - Nonprofit and Social Service Organizations (retrieved 2026-05-24)
Frequently Asked Questions
- What is workers' comp class code 8864?
- Workers' comp class code 8864 is the NCCI classification for a Social Services Organization — all employees, salespersons, and drivers. It applies to charitable, welfare, and social-service organizations that provide counseling, case management, outreach, education, vocational training, and similar community assistance to people facing hardship.
- How much is workers' comp insurance for class code 8864?
- The national average rate for class code 8864 is $1.34 per $100 of payroll, across the 47 jurisdictions rated on that basis. Cheapest states: Indiana ($0.98), Texas ($0.99), Virginia ($1.04). Most expensive: New York ($1.81), Alaska ($1.78), California ($1.69). 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 8864?
- Class code 8864 typically applies to Social service agencies, Community organizations, Nonprofit charities, Family service centers.
- What does the 8864 workers comp code cover?
- The 8864 workers comp code covers the staff of community social-service organizations — intake and case workers, counselors, outreach and program employees, administrators, fundraising salespersons, and drivers connected with the organization's operation. It allows incidental first aid but not significant medical treatment, and it does not cover an organization whose regular function is overnight residential housing, school operation, or licensed medical care.
- Are nonprofit employees always classified under code 8864?
- No. Tax-exempt or nonprofit status does not by itself determine the workers' comp class code. Many nonprofits do fit 8864, but a nonprofit that runs a residential facility, a school, a clinic, a hospital, or a workshop or retail operation can have payroll classified under residential-care, education, medical, or production codes instead. Classification follows what the organization actually does.
- What is the difference between class code 8864 and a residential or group-home classification?
- 8864 applies to community social-service organizations that primarily provide counseling, case management, and outreach, even if they occasionally arrange shelter. When housing or providing overnight accommodations to clients on a regular basis is the organization's actual purpose, the operation is residential care and is classified under a residential code rather than 8864.
- What is the workers' comp rate for class code 8864?
- The workers' comp rate for class code 8864 varies by state and carrier. Social Services Organization is a relatively low-hazard classification, and this page shows current filing-based base-rate estimates by state. Actual premium also depends on payroll, carrier loss-cost multipliers, experience modification, schedule credits, and minimum premium, so treat the figures as estimates, not quotes.
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