Workers' Compensation Insurance for Education

Workers' compensation for schools, colleges, universities, and educational institutions. Professional educators face relatively low physical risk, though some exposure exists from classroom activities, laboratory work, and campus duties. Rates are generally low and vary by institution type.

Class Codes in Education

9101 — School - All Employees

Covers all school employees including teachers, administrators, custodians, and cafeteria workers.

59 / 100

class percentile · filed in 2 states

8868 — College or University - Professional Employees

Covers college and university professional employees including professors, researchers, and academic staff.

5 / 100

class percentile · filed in 2 states

8854 — Daycare Center

Covers employees of daycare centers providing childcare, early education, and supervision services.

47 / 100

class percentile · filed in 1 state

9008 — Schools - Vocational

Covers employees of vocational and trade schools providing hands-on technical training and education.

—

class percentile · filed in 0 states

9034 — Library - All Employees

Covers all library employees including librarians, clerks, shelvers, and maintenance staff.

—

class percentile · filed in 0 states

Filed Figures by State

Per $100 of payroll, copied from each state's own filing. “LC” is a loss cost (before the insurer's multiplier); “rate” is a manual rate. Other states publish no per-class figure this site has transcribed.

State	9101	8868	8854	9008	9034
New York	$1.379 LC	$0.227 LC	$1.645 LC	—	—
Wisconsin	$4.212 rate	$0.422 rate	—	—	—

Two kinds of number appear here — neither is a quote.

A filed figure is copied from the state’s own regulator or rating bureau, with the filing and effective date beside it. A filed loss cost is not a rate: your insurer multiplies it by its own loss cost multiplier before applying your experience modification. A cost index ranks states against the median state (1.00); it is modelled, it is not a price, and it is the only figure shown for states whose per-class filings we have not been able to transcribe. We stopped publishing modelled per-$100 estimates after measuring them against the filings — read the calibration measurement.

Your actual premium depends on the carrier's rates, experience modification factor, schedule credits, payroll, claims history, and underwriting. WorkersCompCost.com is not a licensed insurance broker — confirm binding rates with a licensed agent in your state.

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