Workers' Compensation Insurance for Office & Professional

Workers' compensation for office-based businesses including law firms, accounting practices, tech companies, and professional services. These roles carry minimal physical risk, resulting in some of the lowest WC rates in the industry. How low still depends on the state and the exact class code.

Class Codes in Office & Professional

8810 — Clerical Office Employees

Covers office workers performing clerical duties such as data entry, filing, and general administrative tasks.

1 / 100

class percentile · filed in 2 states

8742 — Outside Sales Personnel

Covers employees primarily engaged in outside sales activities away from the employer's premises.

3 / 100

class percentile · filed in 2 states

8820 — Attorney - All Employees & Clerical

Covers attorneys, paralegals, and legal office staff in law firm settings.

1 / 100

class percentile · filed in 2 states

8803 — Auditing, Accounting or Management Consulting

Covers accountants, auditors, and management consultants performing professional office services.

0 / 100

class percentile · filed in 2 states

8871 — Clerical Telecommuter Employees

Covers clerical employees performing office work from home or another non-employer location for most of their work time.

0 / 100

class percentile · filed in 2 states

8812 — Clerical - Drafting Employees

Covers drafting and CAD technicians producing technical drawings and blueprints.

—

class percentile · filed in 0 states

8801 — Credit Union - All Employees

Covers credit union employees including tellers, loan officers, and administrative staff.

—

class percentile · filed in 0 states

8861 — Architect or Engineer - Consulting

Covers consulting architects and engineers performing design, planning, and project oversight.

—

class percentile · filed in 0 states

8869 — Newspaper or Magazine Publishing - All Employees

Covers publishing company employees including editors, reporters, designers, and production staff.

10 / 100

class percentile · filed in 2 states

8855 — Banks and Trust Companies - All Employees

Covers bank employees including tellers, loan officers, managers, and back-office staff.

1 / 100

class percentile · filed in 2 states

8802 — Writer/Author

Covers freelance writers, authors, and editorial staff performing writing and content creation work.

23 / 100

class percentile · filed in 1 state

8807 — Newspaper Publishing

Covers employees of newspaper publishing companies including reporters, editors, and production staff.

—

class percentile · filed in 0 states

8814 — Telephone Company - Clerical

Covers clerical and office employees of telephone companies performing administrative and customer service duties.

—

class percentile · filed in 0 states

8815 — Bank - All Employees

Covers all bank employees including tellers, loan officers, and administrative staff.

—

class percentile · filed in 0 states

8805 — Credit Union/Savings

Covers employees of credit unions and savings institutions performing financial services and member transactions.

—

class percentile · filed in 0 states

8809 — Executive Officers NOC - Not Foremen, Workers or Salespersons

Covers executive officers performing clerical or outside-sales duties only, not foremen, workers, or salespersons assigned to another governing classification.

2 / 100

class percentile · filed in 1 state

8821 — Patent/Copyright Attorney

Covers attorneys and staff specializing in patent, copyright, and intellectual property law.

—

class percentile · filed in 0 states

8823 — Accountant - CPA

Covers certified public accountants and staff performing auditing, tax preparation, and financial advisory services.

—

class percentile · filed in 0 states

8840 — Investment Company

Covers employees of investment companies performing portfolio management, trading, and client advisory services.

5 / 100

class percentile · filed in 1 state

8841 — Financial Advisor

Covers financial advisors and planners providing investment, retirement, and wealth management advice to clients.

—

class percentile · filed in 0 states

8846 — Pharmaceutical Sales

Covers pharmaceutical sales representatives visiting healthcare providers to promote and distribute medications.

—

class percentile · filed in 0 states

8844 — Collection Agency

Covers employees of collection agencies performing debt collection, skip tracing, and account recovery.

—

class percentile · filed in 0 states

8847 — Trust Company

Covers employees of trust companies managing fiduciary accounts, estates, and trust administration.

—

class percentile · filed in 0 states

8849 — Research Lab - Analytical

Covers workers in analytical research laboratories performing testing, analysis, and quality control services.

—

class percentile · filed in 0 states

8857 — Radio Station - Clerical

Covers clerical and administrative staff at radio stations performing scheduling, billing, and office duties.

14 / 100

class percentile · filed in 2 states

8858 — Employment Agency

Covers employees of employment and staffing agencies performing recruiting, placement, and temporary staffing services.

—

class percentile · filed in 0 states

8862 — Advertising Agency

Covers employees of advertising agencies performing creative design, media buying, and campaign management.

—

class percentile · filed in 0 states

8865 — Court Reporter

Covers court reporters and stenographers providing verbatim transcription services for legal proceedings.

38 / 100

class percentile · filed in 1 state

8866 — Election Campaign

Covers workers employed by political campaigns performing canvassing, office work, and event coordination.

40 / 100

class percentile · filed in 1 state

7719 — Court Employees

Covers court employees including clerks, bailiffs, and administrative staff working in courthouses.

—

class percentile · filed in 0 states

8811 — Government Clerical

Covers clerical and administrative employees of government agencies performing office duties and public services.

—

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.

State8810874288208803887188128801886188698855880288078814881588058809882188238840884188468844884788498857885888628865886677198811
New York$0.060 LC$0.116 LC$0.036 LC$0.031 LC$0.021 LC———$0.392 LC$0.036 LC$0.951 LC————$0.112 LC——$0.209 LC—————$0.974 LC——$1.374 LC$1.435 LC——
Wisconsin$0.162 rate$0.261 rate$0.132 rate$0.041 rate$0.054 rate———$0.973 rate$0.124 rate——————————————$0.507 rate——————

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