Office Workers' Compensation
We've developed the most affordable insurance programs for small business offices.
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Give us a call today at 888-611-7467
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.
Improve cashflow and reduce the potential for big audit bills.
Get quotes from multiple insurance companies to ensure the lowest rates.
Our carriers have experienced claim managers to close claims quickly.
Our Top Office Insurance Companies
Markel is a national carrier. Markel offers exceptional workers' comp coverage in most states throughout the United States.
Accident Fund Insurance Company of America has a direct focus on writing workers comp coverage for clerical and offices.
The Hartford is a national insurance carrier with exceptional rates on office, medical, retail and technology.
Travelers is an outstanding insurance company with a broad appetite and competitive rates. Great for office and clerical staff.
Employers offers excellent rates as well as loss control resources for all clerical workers comp classification codes.
Chubb quotes all lines of business and has terrific rates for technology, offices, medical, and retail businesses.
State Auto has some excellent rates for offices such as accountants, doctors, architects and attorneys.
Great American Insurance is an exceptional carrier offering affordable prices and a broad appetite for most types of business.
AmTrust Financial provides exceptional value for many business types within the office and clerical classes of business.
Shop coverage like a Pro.
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 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?
Workers' comp coverage protects employees when injured. It makes good financial sense for both parties.
- 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.
- 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.
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
Then there's Trusted Service.
Thanks for the award Feefo- Work Comp Shop
How do I get started?
- Business details, locations, FEIN or SSN
- Estimated annual payroll and job duties- class codes
- Claims info or loss history- if applicable
What Happens Next?
- Our software matches you with top-rated carriers
- Our agents apply and negotiate your lowest rates
- We present and recommend your best options
Ready to Start Your Quote?
Don't settle for cookie-cutter rates
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Ask about our Pay As You Go plans designed to improve cashflow and bullet-proof your audits.
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