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 run from low for physician offices to several times higher for nursing home and hospital staff.
Class Codes in Healthcare
Covers physicians, surgeons, and their clerical staff in private practice settings.
3 / 100
class percentile · filed in 2 states
Covers home health aides and nurses providing in-home medical and personal care services.
10 / 100
class percentile · filed in 1 state
Covers dental office employees including dentists, hygienists, dental assistants, and front office staff.
36 / 100
class percentile · filed in 1 state
Covers professional hospital employees including physicians, nurses, and allied health professionals.
13 / 100
class percentile · filed in 2 states
Covers nursing home and skilled nursing facility employees including CNAs, nurses, and aides.
40 / 100
class percentile · filed in 2 states
Covers veterinary clinic employees including veterinarians, vet techs, and office staff.
35 / 100
class percentile · filed in 1 state
Covers dental lab technicians producing crowns, bridges, dentures, and other dental appliances.
—
class percentile · filed in 0 states
Covers retail pharmacy employees including pharmacists, pharmacy techs, and front-store staff.
—
class percentile · filed in 0 states
Covers ambulance service employees including EMTs, paramedics, and dispatchers.
—
class percentile · filed in 0 states
Covers optometrists and staff performing eye examinations, vision testing, and dispensing corrective lenses.
23 / 100
class percentile · filed in 1 state
Covers chiropractors and office staff providing spinal adjustments and musculoskeletal treatment services.
38 / 100
class percentile · filed in 1 state
Covers veterinarians and staff at animal hospitals providing medical and surgical care for animals.
15 / 100
class percentile · filed in 2 states
Covers laboratory technicians and staff performing medical testing, analysis, and diagnostic procedures.
5 / 100
class percentile · filed in 1 state
Covers employees of psychiatric hospitals providing mental health treatment and inpatient care services.
—
class percentile · filed in 0 states
Covers all employees of residential care facilities for elderly residents including caregivers and support staff.
—
class percentile · filed in 0 states
Covers hospital employees other than professional employees, including orderlies, janitors, maintenance, housekeeping, dietary, cafeteria, and patient transport staff.
72 / 100
class percentile · filed in 2 states
Covers nurses and aides providing in-home and visiting nursing care services to patients.
—
class percentile · filed in 0 states
Covers all employees of nursing homes providing long-term care and skilled nursing services.
—
class percentile · filed in 0 states
Covers all employees of substance-use disorder recovery homes and similar nonmedical residential social rehabilitation facilities for adults.
—
class percentile · filed in 0 states
Covers emergency medical technicians and paramedics providing pre-hospital emergency medical care and ambulance transport.
—
class percentile · filed in 0 states
Covers employees of veterans homes providing residential care, medical services, and support to military veterans.
—
class percentile · filed in 0 states
Covers employees of assisted living facilities providing personal care, meals, and activities for elderly residents.
—
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 | 8832 | 8835 | 8824 | 8833 | 8829 | 8842 | 8822 | 8839 | 8836 | 8825 | 8826 | 8831 | 8838 | 8843 | 8851 | 9040 | 9046 | 9049 | 8804 | 7711 | 9068 | 9625 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| New York | $0.198 LC | — | — | $0.774 LC | $1.836 LC | — | — | — | — | — | — | $0.527 LC | $0.211 LC | — | — | $3.013 LC | — | — | — | — | — | — |
| Wisconsin | $0.256 rate | $0.818 rate | $1.995 rate | $0.707 rate | $1.707 rate | $1.918 rate | — | — | — | $1.542 rate | $2.037 rate | $1.289 rate | — | — | — | $3.417 rate | — | — | — | — | — | — |
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