Workers' Comp Coverage and Business Insurance

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

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Improve cashflow and reduce the potential for big audit bills.

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Claims Management

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Workers' Compensation Codes Related to Business Professionals

Employees are grouped into classification codes based on their job duties and work functions. The National Council on Compensation Insurance (NCCI) currently utilizes nearly 800 class codes to help insurance companies and agents categorize employees for rating purposes. Insurance companies set a base manual rate for each class code in order to begin pricing a policy.

Properly classifying workers is an important part of the quote process. Mis-classified employees can cost small businesses thousands of dollars. You could end up paying too much for coverage or owing more money after an annual audit.

Small Business Workers' Comp

Class Code 8742
Sales and Consulting

Class code 8742 is a very broad class that encompasses many industries and business segments. This code assumes that these professional may utilize a vehicle to travel from place to place for meetings and consultations. Businesses that often fall under this class code include outside sales professionals, agents, marketing firms, collection services, event planners, financial planners, manufacturing representatives and other similar sales organizations.

Class Code 8810
Office and Clerical

professional employees working in an office will typically belong under class code 8810 when the do not use a vehicle as a regular part of their job. It is very common for a business to have some employees under the sales class and some employees under the clerical class code on a workers' comp policy. These codes apply to all businesses when no other more specific class code exists.

Class Code 8832
Doctors' Office

This is the standard class used to quote coverage for a typical doctor's office. It also applies to therapists, medical laboratories, optometrists, dentists and outpatient surgical centers.

Class Code 8820
Law Firms

This classification applies to all employees of a law firm including attorneys, clerical, messengers, and couriers.

Class Code 8803

Code 8803 is the standard national class code for most accountants and auditors. This class contemplates additional driving exposure from a standard clerical class code (8810).

Class Code 8868
Academic Professionals

This is the standard classification used for teachers and professional staff associated with schools, colleges, and other learning institutions.

Alternative State Class Codes for Business Professionals:

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: Accounting, tax preparation, bookkeeping, payroll bureau, employment placement agency, recruiting firms, insurance agent, auditor, claims adjuster, title company, mortgage broker, loan officer, public relations, advertising firm, debt collection, interior decorator, wedding planner, logistics, business consulting, travel agent.


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 business Insurance Cost?

The average rate our customers pay for workers’ compensation is around $0.45 cents per $100 of payroll. The average cost for a general liability insurance policy is about $495.00.
  • Work Comp is priced based on payroll
  • Your state and EMR Rating will affect your cost
  • The type of business can modify rates
  • Premium discounts and policy credits may apply
  • GL rates are typically 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
  • SIC codes vary by industry
  • Errors and Omissions rates are based on the profession
  • Gross revenue may affect pricing
  • Security and sensitive data matters to underwriters
  • Prior clams and years in business affect pricing

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What Happens Next?

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