Workers' Compensation Insurance for Healthcare
Workers' compensation for medical offices, clinics, hospitals, home health agencies, nursing homes, and mental health programs. Healthcare workers face risks from patient handling, needlestick injuries, and exposure to infectious disease. Rates range from $0.50 for physician offices to $5.00 or more for nursing home and hospital staff.
Industry Average Rate: $1.50 per $100 of payroll
Class Codes in Healthcare
Covers physicians, surgeons, and their clerical staff in private practice settings.
$0.48
nat'l avg / $100
Covers home health aides and nurses providing in-home medical and personal care services.
$4.45
nat'l avg / $100
Covers dental office employees including dentists, hygienists, dental assistants, and front office staff.
$0.59
nat'l avg / $100
Covers professional hospital employees including physicians, nurses, and allied health professionals.
$3.05
nat'l avg / $100
Covers nursing home and skilled nursing facility employees including CNAs, nurses, and aides.
$5.62
nat'l avg / $100
Covers veterinary clinic employees including veterinarians, vet techs, and office staff.
$1.18
nat'l avg / $100
Covers dental lab technicians producing crowns, bridges, dentures, and other dental appliances.
$0.80
nat'l avg / $100
Covers retail pharmacy employees including pharmacists, pharmacy techs, and front-store staff.
$0.96
nat'l avg / $100
Covers ambulance service employees including EMTs, paramedics, and dispatchers.
$5.89
nat'l avg / $100
Covers optometrists and staff performing eye examinations, vision testing, and dispensing corrective lenses.
$0.43
nat'l avg / $100
Covers chiropractors and office staff providing spinal adjustments and musculoskeletal treatment services.
$0.96
nat'l avg / $100
Covers veterinarians and staff at animal hospitals providing medical and surgical care for animals.
$2.41
nat'l avg / $100
Covers laboratory technicians and staff performing medical testing, analysis, and diagnostic procedures.
$0.80
nat'l avg / $100
Covers employees of psychiatric hospitals providing mental health treatment and inpatient care services.
$4.82
nat'l avg / $100
Covers all employees of residential care facilities for elderly residents including caregivers and support staff.
$5.62
nat'l avg / $100
Covers hospital employees other than professional employees, including orderlies, janitors, maintenance, housekeeping, dietary, cafeteria, and patient transport staff.
$5.89
nat'l avg / $100
Covers nurses and aides providing in-home and visiting nursing care services to patients.
$6.16
nat'l avg / $100
Covers all employees of nursing homes providing long-term care and skilled nursing services.
$5.89
nat'l avg / $100
Covers all employees of substance-use disorder recovery homes and similar nonmedical residential social rehabilitation facilities for adults.
$4.82
nat'l avg / $100
Covers emergency medical technicians and paramedics providing pre-hospital emergency medical care and ambulance transport.
$8.03
nat'l avg / $100
Covers employees of veterans homes providing residential care, medical services, and support to military veterans.
$4.55
nat'l avg / $100
Covers employees of assisted living facilities providing personal care, meals, and activities for elderly residents.
$4.82
nat'l avg / $100
Rate Comparison by State
| State | 8832 | 8835 | 8824 | 8833 | 8829 | 8842 | 8822 | 8839 | 8836 | 8825 | 8826 | 8831 | 8838 | 8843 | 8851 | 9040 | 9046 | 9049 | 8804 | 7711 | 9068 | 9625 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Indiana | $0.35 | $3.24 | $0.43 | $2.22 | $4.10 | $0.86 | $0.59 | $0.70 | $4.29 | $0.31 | $0.70 | $1.76 | $0.59 | $3.51 | $4.10 | $4.29 | $4.49 | $4.29 | $3.51 | $5.85 | $3.32 | $3.51 |
| Texas | $0.36 | $3.27 | $0.43 | $2.25 | $4.14 | $0.87 | $0.59 | $0.71 | $4.34 | $0.32 | $0.71 | $1.78 | $0.59 | $3.55 | $4.14 | $4.34 | $4.54 | $4.34 | $3.55 | $5.92 | $3.35 | $3.55 |
| Virginia | $0.37 | $3.44 | $0.46 | $2.37 | $4.36 | $0.91 | $0.62 | $0.75 | $4.56 | $0.33 | $0.75 | $1.87 | $0.62 | $3.74 | $4.36 | $4.56 | $4.77 | $4.56 | $3.74 | $6.23 | $3.53 | $3.74 |
| Utah | $0.38 | $3.53 | $0.47 | $2.42 | $4.46 | $0.94 | $0.64 | $0.77 | $4.68 | $0.34 | $0.77 | $1.91 | $0.64 | $3.83 | $4.46 | $4.68 | $4.89 | $4.68 | $3.83 | $6.38 | $3.61 | $3.83 |
| Arkansas | $0.40 | $3.65 | $0.48 | $2.51 | $4.62 | $0.97 | $0.66 | $0.79 | $4.84 | $0.35 | $0.79 | $1.98 | $0.66 | $3.96 | $4.62 | $4.84 | $5.06 | $4.84 | $3.96 | $6.60 | $3.74 | $3.96 |
| Colorado | $0.40 | $3.69 | $0.49 | $2.54 | $4.67 | $0.98 | $0.67 | $0.80 | $4.90 | $0.36 | $0.80 | $2.00 | $0.67 | $4.01 | $4.67 | $4.90 | $5.12 | $4.90 | $4.01 | $6.68 | $3.78 | $4.01 |
| Arizona | $0.41 | $3.82 | $0.51 | $2.62 | $4.83 | $1.01 | $0.69 | $0.83 | $5.06 | $0.37 | $0.83 | $2.07 | $0.69 | $4.14 | $4.83 | $5.06 | $5.29 | $5.06 | $4.14 | $6.90 | $3.91 | $4.14 |
| Tennessee | $0.41 | $3.78 | $0.50 | $2.59 | $4.78 | $1.00 | $0.68 | $0.82 | $5.01 | $0.36 | $0.82 | $2.05 | $0.68 | $4.10 | $4.78 | $5.01 | $5.23 | $5.01 | $4.10 | $6.83 | $3.87 | $4.10 |
| Nebraska | $0.42 | $3.90 | $0.52 | $2.68 | $4.93 | $1.03 | $0.71 | $0.85 | $5.17 | $0.38 | $0.85 | $2.11 | $0.71 | $4.23 | $4.93 | $5.17 | $5.40 | $5.17 | $4.23 | $7.05 | $3.99 | $4.23 |
| North Carolina | $0.42 | $3.90 | $0.52 | $2.68 | $4.93 | $1.03 | $0.71 | $0.85 | $5.17 | $0.38 | $0.85 | $2.11 | $0.71 | $4.23 | $4.93 | $5.17 | $5.40 | $5.17 | $4.23 | $7.05 | $3.99 | $4.23 |
| South Dakota | $0.42 | $3.86 | $0.51 | $2.65 | $4.88 | $1.02 | $0.70 | $0.84 | $5.12 | $0.37 | $0.84 | $2.09 | $0.70 | $4.19 | $4.88 | $5.12 | $5.35 | $5.12 | $4.19 | $6.98 | $3.95 | $4.19 |
| Idaho | $0.43 | $3.94 | $0.52 | $2.71 | $4.99 | $1.05 | $0.71 | $0.86 | $5.23 | $0.38 | $0.86 | $2.14 | $0.71 | $4.27 | $4.99 | $5.23 | $5.46 | $5.23 | $4.27 | $7.13 | $4.04 | $4.27 |
| Kansas | $0.43 | $3.98 | $0.53 | $2.74 | $5.04 | $1.06 | $0.72 | $0.86 | $5.28 | $0.38 | $0.86 | $2.16 | $0.72 | $4.32 | $5.04 | $5.28 | $5.52 | $5.28 | $4.32 | $7.20 | $4.08 | $4.32 |
| Mississippi | $0.44 | $4.03 | $0.53 | $2.76 | $5.09 | $1.07 | $0.73 | $0.87 | $5.34 | $0.39 | $0.87 | $2.18 | $0.73 | $4.37 | $5.09 | $5.34 | $5.58 | $5.34 | $4.37 | $7.28 | $4.12 | $4.37 |
| New Mexico | $0.44 | $4.07 | $0.54 | $2.79 | $5.15 | $1.08 | $0.74 | $0.88 | $5.39 | $0.39 | $0.88 | $2.21 | $0.74 | $4.41 | $5.15 | $5.39 | $5.64 | $5.39 | $4.41 | $7.35 | $4.17 | $4.41 |
| Kentucky | $0.45 | $4.15 | $0.55 | $2.85 | $5.25 | $1.10 | $0.75 | $0.90 | $5.50 | $0.40 | $0.90 | $2.25 | $0.75 | $4.50 | $5.25 | $5.50 | $5.75 | $5.50 | $4.50 | $7.50 | $4.25 | $4.50 |
| South Carolina | $0.45 | $4.11 | $0.54 | $2.82 | $5.20 | $1.09 | $0.74 | $0.89 | $5.45 | $0.40 | $0.89 | $2.23 | $0.74 | $4.46 | $5.20 | $5.45 | $5.69 | $5.45 | $4.46 | $7.43 | $4.21 | $4.46 |
| Iowa | $0.46 | $4.23 | $0.56 | $2.91 | $5.36 | $1.12 | $0.77 | $0.92 | $5.61 | $0.41 | $0.92 | $2.30 | $0.77 | $4.59 | $5.36 | $5.61 | $5.87 | $5.61 | $4.59 | $7.65 | $4.34 | $4.59 |
| Missouri | $0.46 | $4.27 | $0.57 | $2.94 | $5.41 | $1.13 | $0.77 | $0.93 | $5.67 | $0.41 | $0.93 | $2.32 | $0.77 | $4.64 | $5.41 | $5.67 | $5.92 | $5.67 | $4.64 | $7.73 | $4.38 | $4.64 |
| Georgia | $0.47 | $4.36 | $0.58 | $2.99 | $5.51 | $1.16 | $0.79 | $0.95 | $5.78 | $0.42 | $0.95 | $2.36 | $0.79 | $4.73 | $5.51 | $5.78 | $6.04 | $5.78 | $4.73 | $7.88 | $4.46 | $4.73 |
| Maryland | $0.47 | $4.36 | $0.58 | $2.99 | $5.51 | $1.16 | $0.79 | $0.95 | $5.78 | $0.42 | $0.95 | $2.36 | $0.79 | $4.73 | $5.51 | $5.78 | $6.04 | $5.78 | $4.73 | $7.88 | $4.46 | $4.73 |
| Nevada | $0.47 | $4.32 | $0.57 | $2.96 | $5.46 | $1.14 | $0.78 | $0.94 | $5.72 | $0.42 | $0.94 | $2.34 | $0.78 | $4.68 | $5.46 | $5.72 | $5.98 | $5.72 | $4.68 | $7.80 | $4.42 | $4.68 |
| Oregon | $0.48 | $4.40 | $0.58 | $3.02 | $5.57 | $1.17 | $0.80 | $0.95 | $5.83 | $0.42 | $0.95 | $2.39 | $0.80 | $4.77 | $5.57 | $5.83 | $6.10 | $5.83 | $4.77 | $7.95 | $4.51 | $4.77 |
| West Virginia | $0.48 | $4.44 | $0.59 | $3.05 | $5.62 | $1.18 | $0.80 | $0.96 | $5.89 | $0.43 | $0.96 | $2.41 | $0.80 | $4.82 | $5.62 | $5.89 | $6.15 | $5.89 | $4.82 | $8.03 | $4.55 | $4.82 |
| Alabama | $0.49 | $4.48 | $0.59 | $3.08 | $5.67 | $1.19 | $0.81 | $0.97 | $5.94 | $0.43 | $0.97 | $2.43 | $0.81 | $4.86 | $5.67 | $5.94 | $6.21 | $5.94 | $4.86 | $8.10 | $4.59 | $4.86 |
| Minnesota | $0.49 | $4.48 | $0.59 | $3.08 | $5.67 | $1.19 | $0.81 | $0.97 | $5.94 | $0.43 | $0.97 | $2.43 | $0.81 | $4.86 | $5.67 | $5.94 | $6.21 | $5.94 | $4.86 | $8.10 | $4.59 | $4.86 |
| New Hampshire | $0.49 | $4.48 | $0.59 | $3.08 | $5.67 | $1.19 | $0.81 | $0.97 | $5.94 | $0.43 | $0.97 | $2.43 | $0.81 | $4.86 | $5.67 | $5.94 | $6.21 | $5.94 | $4.86 | $8.10 | $4.59 | $4.86 |
| Delaware | $0.50 | $4.57 | $0.61 | $3.14 | $5.78 | $1.21 | $0.83 | $0.99 | $6.05 | $0.44 | $0.99 | $2.48 | $0.83 | $4.95 | $5.78 | $6.05 | $6.33 | $6.05 | $4.95 | $8.25 | $4.68 | $4.95 |
| Maine | $0.50 | $4.57 | $0.61 | $3.14 | $5.78 | $1.21 | $0.83 | $0.99 | $6.05 | $0.44 | $0.99 | $2.48 | $0.83 | $4.95 | $5.78 | $6.05 | $6.33 | $6.05 | $4.95 | $8.25 | $4.68 | $4.95 |
| Michigan | $0.50 | $4.65 | $0.62 | $3.19 | $5.88 | $1.23 | $0.84 | $1.01 | $6.16 | $0.45 | $1.01 | $2.52 | $0.84 | $5.04 | $5.88 | $6.16 | $6.44 | $6.16 | $5.04 | $8.40 | $4.76 | $5.04 |
| Vermont | $0.50 | $4.65 | $0.62 | $3.19 | $5.88 | $1.23 | $0.84 | $1.01 | $6.16 | $0.45 | $1.01 | $2.52 | $0.84 | $5.04 | $5.88 | $6.16 | $6.44 | $6.16 | $5.04 | $8.40 | $4.76 | $5.04 |
| Wisconsin | $0.50 | $4.57 | $0.61 | $3.14 | $5.78 | $1.21 | $0.83 | $0.99 | $6.05 | $0.44 | $0.99 | $2.48 | $0.83 | $4.95 | $5.78 | $6.05 | $6.33 | $6.05 | $4.95 | $8.25 | $4.68 | $4.95 |
| Rhode Island | $0.51 | $4.73 | $0.63 | $3.25 | $5.99 | $1.25 | $0.86 | $1.03 | $6.27 | $0.46 | $1.03 | $2.57 | $0.86 | $5.13 | $5.99 | $6.27 | $6.56 | $6.27 | $5.13 | $8.55 | $4.85 | $5.13 |
| Florida | $0.52 | $4.77 | $0.63 | $3.28 | $6.04 | $1.26 | $0.86 | $1.03 | $6.32 | $0.46 | $1.03 | $2.59 | $0.86 | $5.18 | $6.04 | $6.32 | $6.61 | $6.32 | $5.18 | $8.63 | $4.89 | $5.18 |
| Montana | $0.52 | $4.77 | $0.63 | $3.28 | $6.04 | $1.26 | $0.86 | $1.03 | $6.32 | $0.46 | $1.03 | $2.59 | $0.86 | $5.18 | $6.04 | $6.32 | $6.61 | $6.32 | $5.18 | $8.63 | $4.89 | $5.18 |
| District of Columbia | $0.53 | $4.90 | $0.65 | $3.36 | $6.19 | $1.30 | $0.89 | $1.06 | $6.49 | $0.47 | $1.06 | $2.66 | $0.89 | $5.31 | $6.19 | $6.49 | $6.78 | $6.49 | $5.31 | $8.85 | $5.01 | $5.31 |
| Massachusetts | $0.53 | $4.90 | $0.65 | $3.36 | $6.19 | $1.30 | $0.89 | $1.06 | $6.49 | $0.47 | $1.06 | $2.66 | $0.89 | $5.31 | $6.19 | $6.49 | $6.78 | $6.49 | $5.31 | $8.85 | $5.01 | $5.31 |
| Oklahoma | $0.53 | $4.90 | $0.65 | $3.36 | $6.19 | $1.30 | $0.89 | $1.06 | $6.49 | $0.47 | $1.06 | $2.66 | $0.89 | $5.31 | $6.19 | $6.49 | $6.78 | $6.49 | $5.31 | $8.85 | $5.01 | $5.31 |
| Illinois | $0.54 | $4.98 | $0.66 | $3.42 | $6.30 | $1.32 | $0.90 | $1.08 | $6.60 | $0.48 | $1.08 | $2.70 | $0.90 | $5.40 | $6.30 | $6.60 | $6.90 | $6.60 | $5.40 | $9.00 | $5.10 | $5.40 |
| Connecticut | $0.55 | $5.06 | $0.67 | $3.48 | $6.41 | $1.34 | $0.92 | $1.10 | $6.71 | $0.49 | $1.10 | $2.75 | $0.92 | $5.49 | $6.41 | $6.71 | $7.02 | $6.71 | $5.49 | $9.15 | $5.19 | $5.49 |
| Louisiana | $0.56 | $5.19 | $0.69 | $3.56 | $6.56 | $1.38 | $0.94 | $1.13 | $6.88 | $0.50 | $1.13 | $2.81 | $0.94 | $5.63 | $6.56 | $6.88 | $7.19 | $6.88 | $5.63 | $9.38 | $5.31 | $5.63 |
| Hawaii | $0.58 | $5.31 | $0.70 | $3.65 | $6.72 | $1.41 | $0.96 | $1.15 | $7.04 | $0.51 | $1.15 | $2.88 | $0.96 | $5.76 | $6.72 | $7.04 | $7.36 | $7.04 | $5.76 | $9.60 | $5.44 | $5.76 |
| Pennsylvania | $0.58 | $5.31 | $0.70 | $3.65 | $6.72 | $1.41 | $0.96 | $1.15 | $7.04 | $0.51 | $1.15 | $2.88 | $0.96 | $5.76 | $6.72 | $7.04 | $7.36 | $7.04 | $5.76 | $9.60 | $5.44 | $5.76 |
| New Jersey | $0.59 | $5.40 | $0.72 | $3.71 | $6.83 | $1.43 | $0.98 | $1.17 | $7.15 | $0.52 | $1.17 | $2.93 | $0.98 | $5.85 | $6.83 | $7.15 | $7.48 | $7.15 | $5.85 | $9.75 | $5.53 | $5.85 |
| California | $0.61 | $5.60 | $0.74 | $3.85 | $7.09 | $1.49 | $1.01 | $1.22 | $7.43 | $0.54 | $1.22 | $3.04 | $1.01 | $6.08 | $7.09 | $7.43 | $7.76 | $7.43 | $6.08 | $10.13 | $5.74 | $6.08 |
| Alaska | $0.64 | $5.89 | $0.78 | $4.05 | $7.46 | $1.56 | $1.07 | $1.28 | $7.81 | $0.57 | $1.28 | $3.20 | $1.07 | $6.39 | $7.46 | $7.81 | $8.16 | $7.81 | $6.39 | $10.65 | $6.04 | $6.39 |
| New York | $0.65 | $6.02 | $0.80 | $4.13 | $7.61 | $1.60 | $1.09 | $1.31 | $7.98 | $0.58 | $1.31 | $3.26 | $1.09 | $6.53 | $7.61 | $7.98 | $8.34 | $7.98 | $6.53 | $10.88 | $6.16 | $6.53 |
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