Office & Clerical Workers' Comp
Low-Cost Workers' Comp for Office-Based Businesses
Office and clerical employees are the lowest-risk classification. Get coverage for as little as $0.20 per $100 of payroll.
Workers' Compensation for Office & Clerical
Workers' compensation insurance for office and clerical employees is a policy that covers workplace injuries such as carpal tunnel syndrome, slip-and-fall accidents, and back injuries for office-based staff, typically at the lowest premium rates of any workers' comp classification. Class code 8810 (Clerical Office Employees) costs as little as $0.20-$0.50 per $100 of payroll — making it the most affordable workers' comp classification available. A 10-person office with $500,000 in payroll may pay as little as $1,000-$2,500 per year. Most states require workers' compensation for any business with employees, regardless of risk level, so compliance is mandatory even in low-risk office environments. Remote employees working from home are also covered in most states.
Why Office & Clerical Need Workers' Comp
- ! Required by law in most states, even for low-risk office environments
- ! Repetitive strain injuries (carpal tunnel, back pain) are more common than you think
- ! Protects your business if an employee trips, falls, or is injured at work
- ! Many commercial leases and client contracts require proof of coverage
- ! Extremely affordable — no reason to risk non-compliance penalties
Common Office & Clerical Claims
- ⚠ Carpal tunnel syndrome and repetitive strain injuries
- ⚠ Slip-and-fall accidents in the office
- ⚠ Back and neck injuries from prolonged sitting
- ⚠ Eye strain and headaches from screen work
- ⚠ Injuries from lifting office equipment or supplies
- ⚠ Parking lot accidents walking to/from work
Workers' Comp Class Codes for Office & Clerical
The correct class code determines your premium rate. We'll assign the right code for your state and operations.
| Code | Description | Notes |
|---|---|---|
| 8810 | Clerical Office Employees | — |
| 8742 | Salespersons — Outside | — |
| 8601 | Accounting Firms | — |
| 8602 | Legal Services | — |
| 8748 | Consulting Services | — |
| 8832 | Professional Services | — |
| 8820 | Attorneys — All Other Employees | — |
What Affects Your Office & Clerical Workers' Comp Cost?
Total payroll — this is the primary cost driver for office policies
State where employees work
Claims history (even one claim can increase rates)
Whether any employees perform non-office duties (sales, travel, delivery)
Experience modification rate if eligible
Frequently Asked Questions
How much does workers' comp cost for office employees? +
Office workers (class code 8810) typically cost $0.20-$0.50 per $100 of payroll — the lowest rate of any classification. A 10-person office with $500,000 in payroll might pay as little as $1,000-$2,500 per year.
Do remote employees need workers' comp coverage? +
Yes, in most states. Employees working from home are still covered by workers' comp for injuries that arise out of and in the course of employment. The same coverage requirements apply regardless of where the work happens.
Can I save money by splitting payroll into multiple class codes? +
If some employees do office work and some do outside sales or other duties, assigning the correct class codes to each group can lower your total premium. We'll help you classify correctly to avoid overpaying.
Do I need workers' comp for 1099 contractors? +
Generally no, legitimate independent contractors are not covered by your policy. However, misclassifying employees as 1099s is a major compliance risk. If a worker is really an employee, you're required to cover them.
Office & Clerical Workers' Comp — Available in 23 States
We're licensed to provide workers' compensation quotes in the following states:
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