Office Workers' Compensation


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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.

We partner with the best insurance companies writing office coverage.

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.

Our Top Office Insurance Companies

Markel FirstComp is a national insurance company licensed in all states.

Markel FirstComp

Markel is a national carrier. Markel offers exceptional workers' comp coverage in most states throughout the United States.

Markel Insurance

Accident Fund Insurance Company specializes in workers' compensation across the United States.

Accident Fund

Accident Fund Insurance Company of America has a direct focus on writing workers comp coverage for clerical and offices.

Accident Fund

The Hartford Insurance specializes in workers' compensation across the United States.

The Hartford

The Hartford is a national insurance carrier with exceptional rates on office, medical, retail and technology.

The Hartford

Travelers Workers Compensation Insurance.

Travelers

Travelers is an outstanding insurance company with a broad appetite and competitive rates. Great for office and clerical staff.

Travelers Insurance

Employers Insurance Company- Small business workers compensation insurance.

Employers Insurance

Employers offers excellent rates as well as loss control resources for all clerical workers comp classification codes.

Employers Insurance

Chubb Insurance Company is a mono-line workers comp carrier doing business in most states.

Chubb

Chubb quotes all lines of business and has terrific rates for technology, offices, medical, and retail businesses.

Chubb Insurance

State Auto is a fast growing insurance company with a very broad underwriting appetite.

State Auto

State Auto has some excellent rates for offices such as accountants, doctors, architects and attorneys.

State Auto Insurance

Great American offer workers compensation and general liability in virtually all states with an excellent reputation.

Great American

Great American Insurance is an exceptional carrier offering affordable prices and a broad appetite for most types of business.

Great American Insurance Group

AmTrust offer workers compensation and general liability in virtually all states with an excellent reputation.

AmTrust

AmTrust Financial provides exceptional value for many business types within the office and clerical classes of business.

AmTrust Insurance

We help business owners find the very best deal on workers' comp insurance.
The right quote makes a big difference in price.
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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.

Workers Comp Code 8810 | Office and Professional

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.

Class Code State
953 | Office and Clerical Delaware / Pennsylvania
962 | Accounting Firm Delaware / Pennsylvania
8803 | Accountants and Auditors NCCI
8820 | Attorneys NCCI
8855 | Banks NCCI
8861 | Charitable Non-Profit- Professional Staff NCCI

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

Workers Compensation Shop.com is licensed in all 50 states. We are proud to offer national multi-state coverage.

Workers Compensation Shop.com is a national Agency, licensed throughout the United States.

Get the Best Office Insurance Coverage

A lot of small business offices are overpaying for insurance coverage because their agent does not have access to the lowest cost insurance companies. Other business owners are using installment plans based on estimated payroll that doesn't adjust as payroll fluctuates. We help our customers find the best insurance rates for each unique state and type of business. Our Pay As You Go payment plans will improve your business cash flow. We work with new business owners and companies with higher Experience Modification Ratings. We've been writing office insurance since 2005.

Program Features
No Minimum Premium Requirements
Pay As You Go Work Comp - $0 Deposit
Guaranteed Cost and Deductible Options
National businesses Insurance Expertise
More Markets for More Solutions   We shop renewals too
Commercial Package Insurance Options

What Does Workers' Comp Cover?

What does workers comp cover?

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.
  • Loss of income for employees unable to perform job duties
  • Medical expenses for employees injured on the job
  • Retraining expenses for employees unable to return
  • Permanent injury or disability for lasting injuries
  • Survivor benefits if employees are killed on the job

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

Workmans comp does not cover negligence
In some instances, workers' compensation coverage will not protect employers or employees from the legal liability resulting from a workplace injury.
  • Injuries resulting from a violation of the law
  • Incidents resulting from employees' use fo drugs or alcohol
  • Injuries that did not occur in connection with the job
  • Clear company policy violations
  • Injuries that did not occur in connection with the job

Lower Your Office Insurance Costs

The cost of business insurance has been increasing for small businesses. General liability and workers' comp insurance have been the major cause of the increase in the cost of coverage. We've partnered with our insurance companies to provide more affordable commercial insurance packages for our customers. Ask about our package insurance options for offices:

  Workers' Compensation and Employers Liability

  Office Liability Insurance

  Personal Property and Commercial Property

  Umbrella Liability and more

Not all lines of insurance coverage or all class codes will be available in all states. Contact one of our workers' comp Specialists for program details on general liability and workers' compensation insurance.


Get Started Now

Start a quote online or give one of our experts a call at 888-611-7467.

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.

Workers' Comp Costs

  • 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

General Liability Costs

  • 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
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How do I get started?

Here's what we need from you

  • Business details, locations, FEIN or SSN
  • Estimated annual payroll and job duties- class codes
  • Claims info or loss history- if applicable

What Happens Next?

We go find for your best price

  • Our software matches you with top-rated carriers
  • Our agents apply and negotiate your lowest rates
  • We present and recommend your best options

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Pay As You Go Workers Compensation Insurance Options.

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Visit NCCI for more resources and information about workers' compensation class codes. Visit United States Department of Labor for more information about government agencies managing workers compensation insurance rates.

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