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. Typical rates range from $0.15 to $0.55 per $100 of payroll depending on the state.

Industry Average Rate: $0.30 per $100 of payroll

Class Codes in Office & Professional

8810Clerical Office Employees

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

$0.27

nat'l avg / $100

8742Outside Sales Personnel

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

$0.59

nat'l avg / $100

8820Attorney - All Employees & Clerical

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

$0.21

nat'l avg / $100

8803Auditing, Accounting or Management Consulting

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

$0.21

nat'l avg / $100

8871Clerical Telecommuter Employees

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

$0.32

nat'l avg / $100

8812Clerical - Drafting Employees

Covers drafting and CAD technicians producing technical drawings and blueprints.

$0.24

nat'l avg / $100

8801Credit Union - All Employees

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

$0.16

nat'l avg / $100

8861Architect or Engineer - Consulting

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

$0.43

nat'l avg / $100

8869Newspaper or Magazine Publishing - All Employees

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

$0.38

nat'l avg / $100

8855Banks and Trust Companies - All Employees

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

$0.18

nat'l avg / $100

8802Writer/Author

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

$0.21

nat'l avg / $100

8807Newspaper Publishing

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

$0.91

nat'l avg / $100

8814Telephone Company - Clerical

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

$0.19

nat'l avg / $100

8815Bank - All Employees

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

$0.16

nat'l avg / $100

8805Credit Union/Savings

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

$0.16

nat'l avg / $100

8809Executive 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.

$0.21

nat'l avg / $100

8821Patent/Copyright Attorney

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

$0.21

nat'l avg / $100

8823Accountant - CPA

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

$0.19

nat'l avg / $100

8840Investment Company

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

$0.16

nat'l avg / $100

8841Financial Advisor

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

$0.18

nat'l avg / $100

8846Pharmaceutical Sales

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

$0.59

nat'l avg / $100

8844Collection Agency

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

$0.24

nat'l avg / $100

8847Trust Company

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

$0.16

nat'l avg / $100

8849Research Lab - Analytical

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

$1.18

nat'l avg / $100

8857Radio Station - Clerical

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

$0.19

nat'l avg / $100

8858Employment Agency

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

$0.21

nat'l avg / $100

8862Advertising Agency

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

$0.24

nat'l avg / $100

8865Court Reporter

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

$0.16

nat'l avg / $100

8866Election Campaign

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

$0.91

nat'l avg / $100

7719Court Employees

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

$1.34

nat'l avg / $100

8811Government Clerical

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

$0.24

nat'l avg / $100

Rate Comparison by State

State8810874288208803887188128801886188698855880288078814881588058809882188238840884188468844884788498857885888628865886677198811
Indiana$0.20$0.43$0.16$0.16$0.23$0.17$0.12$0.31$0.27$0.13$0.16$0.66$0.14$0.12$0.12$0.16$0.16$0.14$0.12$0.13$0.43$0.17$0.12$0.86$0.14$0.16$0.17$0.12$0.66$0.98$0.17
Texas$0.20$0.43$0.16$0.16$0.24$0.17$0.12$0.32$0.28$0.13$0.16$0.67$0.14$0.12$0.12$0.16$0.16$0.14$0.12$0.13$0.43$0.17$0.12$0.87$0.14$0.16$0.17$0.12$0.67$0.99$0.17
Utah$0.21$0.47$0.17$0.17$0.26$0.19$0.13$0.34$0.30$0.14$0.17$0.72$0.15$0.13$0.13$0.17$0.17$0.15$0.13$0.14$0.47$0.19$0.13$0.94$0.15$0.17$0.19$0.13$0.72$1.06$0.19
Virginia$0.21$0.46$0.17$0.17$0.25$0.18$0.12$0.33$0.29$0.14$0.17$0.71$0.15$0.12$0.12$0.17$0.17$0.15$0.12$0.14$0.46$0.18$0.12$0.91$0.15$0.17$0.18$0.12$0.71$1.04$0.18
Arkansas$0.22$0.48$0.18$0.18$0.26$0.19$0.13$0.35$0.31$0.15$0.18$0.75$0.16$0.13$0.13$0.18$0.18$0.16$0.13$0.15$0.48$0.19$0.13$0.97$0.16$0.18$0.19$0.13$0.75$1.10$0.19
Colorado$0.22$0.49$0.18$0.18$0.27$0.20$0.13$0.36$0.31$0.15$0.18$0.76$0.16$0.13$0.13$0.18$0.18$0.16$0.13$0.15$0.49$0.20$0.13$0.98$0.16$0.18$0.20$0.13$0.76$1.11$0.20
Arizona$0.23$0.51$0.18$0.18$0.28$0.20$0.14$0.37$0.32$0.16$0.18$0.78$0.17$0.14$0.14$0.18$0.18$0.17$0.14$0.16$0.51$0.20$0.14$1.01$0.17$0.18$0.20$0.14$0.78$1.15$0.20
South Dakota$0.23$0.51$0.19$0.19$0.28$0.20$0.14$0.37$0.33$0.16$0.19$0.79$0.17$0.14$0.14$0.19$0.19$0.17$0.14$0.16$0.51$0.20$0.14$1.02$0.17$0.19$0.20$0.14$0.79$1.16$0.20
Tennessee$0.23$0.50$0.18$0.18$0.27$0.20$0.14$0.36$0.32$0.15$0.18$0.77$0.16$0.14$0.14$0.18$0.18$0.16$0.14$0.15$0.50$0.20$0.14$1.00$0.16$0.18$0.20$0.14$0.77$1.14$0.20
Idaho$0.24$0.52$0.19$0.19$0.28$0.21$0.14$0.38$0.33$0.16$0.19$0.81$0.17$0.14$0.14$0.19$0.19$0.17$0.14$0.16$0.52$0.21$0.14$1.05$0.17$0.19$0.21$0.14$0.81$1.19$0.21
Kansas$0.24$0.53$0.19$0.19$0.29$0.21$0.14$0.38$0.34$0.16$0.19$0.82$0.17$0.14$0.14$0.19$0.19$0.17$0.14$0.16$0.53$0.21$0.14$1.06$0.17$0.19$0.21$0.14$0.82$1.20$0.21
Mississippi$0.24$0.53$0.19$0.19$0.29$0.21$0.15$0.39$0.34$0.16$0.19$0.82$0.17$0.15$0.15$0.19$0.19$0.17$0.15$0.16$0.53$0.21$0.15$1.07$0.17$0.19$0.21$0.15$0.82$1.21$0.21
Nebraska$0.24$0.52$0.19$0.19$0.28$0.21$0.14$0.38$0.33$0.16$0.19$0.80$0.17$0.14$0.14$0.19$0.19$0.17$0.14$0.16$0.52$0.21$0.14$1.03$0.17$0.19$0.21$0.14$0.80$1.17$0.21
North Carolina$0.24$0.52$0.19$0.19$0.28$0.21$0.14$0.38$0.33$0.16$0.19$0.80$0.17$0.14$0.14$0.19$0.19$0.17$0.14$0.16$0.52$0.21$0.14$1.03$0.17$0.19$0.21$0.14$0.80$1.17$0.21
Kentucky$0.25$0.55$0.20$0.20$0.30$0.22$0.15$0.40$0.35$0.17$0.20$0.85$0.18$0.15$0.15$0.20$0.20$0.18$0.15$0.17$0.55$0.22$0.15$1.10$0.18$0.20$0.22$0.15$0.85$1.25$0.22
New Mexico$0.25$0.54$0.20$0.20$0.29$0.22$0.15$0.39$0.34$0.17$0.20$0.83$0.18$0.15$0.15$0.20$0.20$0.18$0.15$0.17$0.54$0.22$0.15$1.08$0.18$0.20$0.22$0.15$0.83$1.23$0.22
South Carolina$0.25$0.54$0.20$0.20$0.30$0.22$0.15$0.40$0.35$0.17$0.20$0.84$0.18$0.15$0.15$0.20$0.20$0.18$0.15$0.17$0.54$0.22$0.15$1.09$0.18$0.20$0.22$0.15$0.84$1.24$0.22
Georgia$0.26$0.58$0.21$0.21$0.32$0.23$0.16$0.42$0.37$0.18$0.21$0.89$0.19$0.16$0.16$0.21$0.21$0.19$0.16$0.18$0.58$0.23$0.16$1.16$0.19$0.21$0.23$0.16$0.89$1.31$0.23
Iowa$0.26$0.56$0.20$0.20$0.31$0.22$0.15$0.41$0.36$0.17$0.20$0.87$0.18$0.15$0.15$0.20$0.20$0.18$0.15$0.17$0.56$0.22$0.15$1.12$0.18$0.20$0.22$0.15$0.87$1.27$0.22
Maryland$0.26$0.58$0.21$0.21$0.32$0.23$0.16$0.42$0.37$0.18$0.21$0.89$0.19$0.16$0.16$0.21$0.21$0.19$0.16$0.18$0.58$0.23$0.16$1.16$0.19$0.21$0.23$0.16$0.89$1.31$0.23
Missouri$0.26$0.57$0.21$0.21$0.31$0.23$0.15$0.41$0.36$0.18$0.21$0.88$0.19$0.15$0.15$0.21$0.21$0.19$0.15$0.18$0.57$0.23$0.15$1.13$0.19$0.21$0.23$0.15$0.88$1.29$0.23
Nevada$0.26$0.57$0.21$0.21$0.31$0.23$0.16$0.42$0.36$0.18$0.21$0.88$0.19$0.16$0.16$0.21$0.21$0.19$0.16$0.18$0.57$0.23$0.16$1.14$0.19$0.21$0.23$0.16$0.88$1.30$0.23
Alabama$0.27$0.59$0.22$0.22$0.32$0.24$0.16$0.43$0.38$0.18$0.22$0.92$0.19$0.16$0.16$0.22$0.22$0.19$0.16$0.18$0.59$0.24$0.16$1.19$0.19$0.22$0.24$0.16$0.92$1.35$0.24
Minnesota$0.27$0.59$0.22$0.22$0.32$0.24$0.16$0.43$0.38$0.18$0.22$0.92$0.19$0.16$0.16$0.22$0.22$0.19$0.16$0.18$0.59$0.24$0.16$1.19$0.19$0.22$0.24$0.16$0.92$1.35$0.24
New Hampshire$0.27$0.59$0.22$0.22$0.32$0.24$0.16$0.43$0.38$0.18$0.22$0.92$0.19$0.16$0.16$0.22$0.22$0.19$0.16$0.18$0.59$0.24$0.16$1.19$0.19$0.22$0.24$0.16$0.92$1.35$0.24
Oregon$0.27$0.58$0.21$0.21$0.32$0.23$0.16$0.42$0.37$0.18$0.21$0.90$0.19$0.16$0.16$0.21$0.21$0.19$0.16$0.18$0.58$0.23$0.16$1.17$0.19$0.21$0.23$0.16$0.90$1.33$0.23
West Virginia$0.27$0.59$0.21$0.21$0.32$0.24$0.16$0.43$0.37$0.18$0.21$0.91$0.19$0.16$0.16$0.21$0.21$0.19$0.16$0.18$0.59$0.24$0.16$1.18$0.19$0.21$0.24$0.16$0.91$1.34$0.24
Delaware$0.28$0.61$0.22$0.22$0.33$0.24$0.17$0.44$0.39$0.19$0.22$0.94$0.20$0.17$0.17$0.22$0.22$0.20$0.17$0.19$0.61$0.24$0.17$1.21$0.20$0.22$0.24$0.17$0.94$1.38$0.24
Maine$0.28$0.61$0.22$0.22$0.33$0.24$0.17$0.44$0.39$0.19$0.22$0.94$0.20$0.17$0.17$0.22$0.22$0.20$0.17$0.19$0.61$0.24$0.17$1.21$0.20$0.22$0.24$0.17$0.94$1.38$0.24
Michigan$0.28$0.62$0.22$0.22$0.34$0.25$0.17$0.45$0.39$0.19$0.22$0.95$0.20$0.17$0.17$0.22$0.22$0.20$0.17$0.19$0.62$0.25$0.17$1.23$0.20$0.22$0.25$0.17$0.95$1.40$0.25
Rhode Island$0.28$0.63$0.23$0.23$0.34$0.25$0.17$0.46$0.40$0.19$0.23$0.97$0.21$0.17$0.17$0.23$0.23$0.21$0.17$0.19$0.63$0.25$0.17$1.25$0.21$0.23$0.25$0.17$0.97$1.42$0.25
Vermont$0.28$0.62$0.22$0.22$0.34$0.25$0.17$0.45$0.39$0.19$0.22$0.95$0.20$0.17$0.17$0.22$0.22$0.20$0.17$0.19$0.62$0.25$0.17$1.23$0.20$0.22$0.25$0.17$0.95$1.40$0.25
Wisconsin$0.28$0.61$0.22$0.22$0.33$0.24$0.17$0.44$0.39$0.19$0.22$0.94$0.20$0.17$0.17$0.22$0.22$0.20$0.17$0.19$0.61$0.24$0.17$1.21$0.20$0.22$0.24$0.17$0.94$1.38$0.24
Florida$0.29$0.63$0.23$0.23$0.35$0.25$0.17$0.46$0.40$0.20$0.23$0.98$0.21$0.17$0.17$0.23$0.23$0.21$0.17$0.20$0.63$0.25$0.17$1.26$0.21$0.23$0.25$0.17$0.98$1.44$0.25
Montana$0.29$0.63$0.23$0.23$0.35$0.25$0.17$0.46$0.40$0.20$0.23$0.98$0.21$0.17$0.17$0.23$0.23$0.21$0.17$0.20$0.63$0.25$0.17$1.26$0.21$0.23$0.25$0.17$0.98$1.44$0.25
District of Columbia$0.30$0.65$0.24$0.24$0.35$0.26$0.18$0.47$0.41$0.20$0.24$1.00$0.21$0.18$0.18$0.24$0.24$0.21$0.18$0.20$0.65$0.26$0.18$1.30$0.21$0.24$0.26$0.18$1.00$1.48$0.26
Illinois$0.30$0.66$0.24$0.24$0.36$0.26$0.18$0.48$0.42$0.20$0.24$1.02$0.22$0.18$0.18$0.24$0.24$0.22$0.18$0.20$0.66$0.26$0.18$1.32$0.22$0.24$0.26$0.18$1.02$1.50$0.26
Massachusetts$0.30$0.65$0.24$0.24$0.35$0.26$0.18$0.47$0.41$0.20$0.24$1.00$0.21$0.18$0.18$0.24$0.24$0.21$0.18$0.20$0.65$0.26$0.18$1.30$0.21$0.24$0.26$0.18$1.00$1.48$0.26
Oklahoma$0.30$0.65$0.24$0.24$0.35$0.26$0.18$0.47$0.41$0.20$0.24$1.00$0.21$0.18$0.18$0.24$0.24$0.21$0.18$0.20$0.65$0.26$0.18$1.30$0.21$0.24$0.26$0.18$1.00$1.48$0.26
Connecticut$0.31$0.67$0.24$0.24$0.37$0.27$0.18$0.49$0.43$0.21$0.24$1.04$0.22$0.18$0.18$0.24$0.24$0.22$0.18$0.21$0.67$0.27$0.18$1.34$0.22$0.24$0.27$0.18$1.04$1.53$0.27
Louisiana$0.31$0.69$0.25$0.25$0.38$0.28$0.19$0.50$0.44$0.21$0.25$1.06$0.22$0.19$0.19$0.25$0.25$0.22$0.19$0.21$0.69$0.28$0.19$1.38$0.22$0.25$0.28$0.19$1.06$1.56$0.28
Hawaii$0.32$0.70$0.26$0.26$0.38$0.28$0.19$0.51$0.45$0.22$0.26$1.09$0.23$0.19$0.19$0.26$0.26$0.23$0.19$0.22$0.70$0.28$0.19$1.41$0.23$0.26$0.28$0.19$1.09$1.60$0.28
Pennsylvania$0.32$0.70$0.26$0.26$0.38$0.28$0.19$0.51$0.45$0.22$0.26$1.09$0.23$0.19$0.19$0.26$0.26$0.23$0.19$0.22$0.70$0.28$0.19$1.41$0.23$0.26$0.28$0.19$1.09$1.60$0.28
New Jersey$0.33$0.72$0.26$0.26$0.39$0.29$0.20$0.52$0.45$0.22$0.26$1.11$0.23$0.20$0.20$0.26$0.26$0.23$0.20$0.22$0.72$0.29$0.20$1.43$0.23$0.26$0.29$0.20$1.11$1.63$0.29
California$0.34$0.74$0.27$0.27$0.41$0.30$0.20$0.54$0.47$0.23$0.27$1.15$0.24$0.20$0.20$0.27$0.27$0.24$0.20$0.23$0.74$0.30$0.20$1.49$0.24$0.27$0.30$0.20$1.15$1.69$0.30
Alaska$0.36$0.78$0.28$0.28$0.43$0.31$0.21$0.57$0.50$0.24$0.28$1.21$0.26$0.21$0.21$0.28$0.28$0.26$0.21$0.24$0.78$0.31$0.21$1.56$0.26$0.28$0.31$0.21$1.21$1.78$0.31
New York$0.36$0.80$0.29$0.29$0.44$0.32$0.22$0.58$0.51$0.25$0.29$1.23$0.26$0.22$0.22$0.29$0.29$0.26$0.22$0.25$0.80$0.32$0.22$1.60$0.26$0.29$0.32$0.22$1.23$1.81$0.32

Get a Workers' Comp Quote for Your Office & Professional Business

Compare quotes from carriers that specialize in office & professional.

Get Quote