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

8832 — Physician & Clerical

Covers physicians, surgeons, and their clerical staff in private practice settings.

3 / 100

class percentile · filed in 2 states

8835 — Home Health Care Services

Covers home health aides and nurses providing in-home medical and personal care services.

10 / 100

class percentile · filed in 1 state

8824 — Dental Office - All Employees

Covers dental office employees including dentists, hygienists, dental assistants, and front office staff.

36 / 100

class percentile · filed in 1 state

8833 — Hospital - Professional Employees

Covers professional hospital employees including physicians, nurses, and allied health professionals.

13 / 100

class percentile · filed in 2 states

8829 — Nursing Home - All Employees

Covers nursing home and skilled nursing facility employees including CNAs, nurses, and aides.

40 / 100

class percentile · filed in 2 states

8842 — Veterinary Office - All Employees

Covers veterinary clinic employees including veterinarians, vet techs, and office staff.

35 / 100

class percentile · filed in 1 state

8822 — Dental Laboratory

Covers dental lab technicians producing crowns, bridges, dentures, and other dental appliances.

—

class percentile · filed in 0 states

8839 — Pharmacy - Retail

Covers retail pharmacy employees including pharmacists, pharmacy techs, and front-store staff.

—

class percentile · filed in 0 states

8836 — Ambulance Service - All Employees

Covers ambulance service employees including EMTs, paramedics, and dispatchers.

—

class percentile · filed in 0 states

8825 — Optometry Office

Covers optometrists and staff performing eye examinations, vision testing, and dispensing corrective lenses.

23 / 100

class percentile · filed in 1 state

8826 — Chiropractic Office

Covers chiropractors and office staff providing spinal adjustments and musculoskeletal treatment services.

38 / 100

class percentile · filed in 1 state

8831 — Animal Hospital - Veterinary

Covers veterinarians and staff at animal hospitals providing medical and surgical care for animals.

15 / 100

class percentile · filed in 2 states

8838 — Medical Lab

Covers laboratory technicians and staff performing medical testing, analysis, and diagnostic procedures.

5 / 100

class percentile · filed in 1 state

8843 — Psychiatric Hospital

Covers employees of psychiatric hospitals providing mental health treatment and inpatient care services.

—

class percentile · filed in 0 states

8851 — Home for Aged - All

Covers all employees of residential care facilities for elderly residents including caregivers and support staff.

—

class percentile · filed in 0 states

9040 — Hospital - All Other Employees

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

9046 — Nursing - Home/Visiting

Covers nurses and aides providing in-home and visiting nursing care services to patients.

—

class percentile · filed in 0 states

9049 — Nursing Home - All

Covers all employees of nursing homes providing long-term care and skilled nursing services.

—

class percentile · filed in 0 states

8804 — Substance Use Disorder Recovery Homes

Covers all employees of substance-use disorder recovery homes and similar nonmedical residential social rehabilitation facilities for adults.

—

class percentile · filed in 0 states

7711 — EMT/Paramedics

Covers emergency medical technicians and paramedics providing pre-hospital emergency medical care and ambulance transport.

—

class percentile · filed in 0 states

9068 — Veterans Home

Covers employees of veterans homes providing residential care, medical services, and support to military veterans.

—

class percentile · filed in 0 states

9625 — Assisted Living Facility

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.

State8832883588248833882988428822883988368825882688318838884388519040904690498804771190689625
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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