Workers' Comp Coverage for Business Offices

We’ve been helping professional small business owners find easy and affordable coverage for over 15 years. Our Experts understand the underwriting requirements from the insurance companies and how to get the best pricing. That’s why we’ve developed programs designed to help you get the best rates and most flexible payment options.

Pay as you go

Improve cashflow and reduce the potential for big audit bills.

Comparison Pricing

Get quotes from multiple insurance companies to ensure the lowest rates.

Claims Management

Our carriers have experienced claim managers to close claims quickly.

Workers' Compensation Class Codes Related to Clerical Offices

Employees are grouped into classification codes based on what they do for their job. The National Council on Compensation Insurance (NCCI) currently utilizes nearly 800 class codes to help insurance companies categorize employees. Insurance companies create a manual rate for each class code in order to price a policy.

Properly classifying workers is an important part of the quote process. Mis-classified employers may end up paying too much for coverage or owing too much after an audit.

Office Workers' Compensation

Workers Comp Code 8810
Office and Professiona

Businesses primarily engaged in performing clerical functions within an office setting. Employees are unlikely to travel for the job and spend the majority of time doing computer work or answering calls or questions. Class code is a broad class that encompasses most professional office staff unless they are classified under a specific alternate class code Most businesses will typically have one or more employees who fall under the clerical classification. It is very common to see a few office-only staff associated with most types of businesses. These individuals may answer phone calls, enter orders, and dispatch service technicians from a cental office or location.

Professional employees that engage in outside sales will normally be classified in a slightly more expensive class code- 8742. Employees that utilize a company vehicle or drive their own vehicle as part of the job will typically fall under class code 8742.

Alternative State Class Codes for Office:

Sometimes a state will deviate from the industry class code recommended by NCCI. Instead of the NCCI code, they may require the utilization of a state specific class code for certain business segments.

Synonyms: office, clerical, programmers, Internet service providers, IT consulting, telephone answering service, designers, proofreaders, computer tech’s, libraries, museums, payroll preparation, bookkeeping, tax preparers

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licensed throughout the United States

How Does Workers' Comp Work?

Workers' comp coverage protects employees when injured. It makes good financial sense for both parties.

Injuries and accidents happen. A workers’ comp policy is a no-fault system that pays for these accidents and claims. It’s required by law in most states.

Coverage does not protect employers from everything. Sometimes employees and employers can be negligent.

In some instances, workers’ compensation coverage will not protect employers or employees from the legal liability resulting from a workplace injury.

How Much Does Office Insurance Cost?

The average rate our customers pay for workers’ compensation under the clerical class code is around $0.18 cents per $100 of payroll. The average cost for a general liability insurance policy is about $475.00.

  • Work Comp is priced based on payroll
  • Your state and Emod will affect your cost
  • The type of office work can modify rates
  • Premium discounts and policy credits may apply
  • GL rates for offices are based on sales (rated per $1000)
  • Gross revenue may affect pricing
  • The type of work done matters to underwriters
  • Prior clams and years in business affect pricing
  • Office SIC codes vary by industry

How do I get started?

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What Happens Next?

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We've developed affordable insurance programs for Office.