NCCI · 22 states

Workers comp rates for code 8800: Office Clerical

NCCI class code 8800 covers Office Clerical in the office_clerical industry. The median rate across 22 states is $0.930 per $100 payroll. Rates range from $0.330 in Utah to $3.48 in California.

Also known as: Clerical Staff · Administrative Staff

Cheapest 5 states for code 8800

  1. Utah $0.330
  2. Virginia $0.504
  3. Kansas $0.550
  4. Tennessee $0.550
  5. Maryland $0.570

Most expensive 5 states

  1. California $3.48
  2. New Jersey $3.18
  3. Illinois $1.93
  4. New York $1.64
  5. Nevada $1.58

What does NCCI class code 8800 cover?

Class code 8800 classifies employees performing Office Clerical, also known as Clerical Staff, Administrative Staff. The NCCI classification system groups occupations by similar workplace exposure, loss-experience patterns, and operational characteristics. Code 8800 falls within the office_clerical industry group and is filed in 22 states.

NCCI's governing classification rules state that a single-classification employer with at least 51% of payroll in this occupation generally classifies all employees under code 8800, with two standard exceptions: clerical office work (segregated payroll records required, reported under code 8810) and outside sales / collectors (code 8742). If your operation has multiple distinct activities, ask your underwriter about a multi-class split before accepting a single-code rating.

Why rates for code 8800 vary so widely across states

The rate spread for code 8800 is 10.5× from cheapest to most expensive ($0.330 in Utah to $3.48 in California). This isn't randomness, it reflects each state's claim experience for the occupation over the most-recent 5-year window NCCI uses, medical inflation in that state's hospital/clinic market, indemnity (lost-wage) cost levels driven by state maximum weekly benefit caps, and rating-bureau methodology. Independent-bureau states (California's WCIRB, New York's NYCIRB, Pennsylvania's PCRB, New Jersey's NJCRIB, Massachusetts's WCRIBMA, Delaware's DCRB, Wisconsin's WCRB, North Carolina's NCRB, Texas's TDI) often diverge significantly from NCCI's national pure premium, sometimes by 30% or more on the same occupation. Monopolistic-fund states (Ohio, North Dakota, Washington, Wyoming) don't allow private carrier competition, so the state fund's pricing is the only available option.

How to use this code 8800 rate data

  1. Benchmark your carrier quote. A carrier quoting code 8800 above the $1.41 75th-percentile rate is asking for a premium-rated quote, push back or get a second quote.
  2. Identify the right state filing. Use the table below to find your state's filed rate. If your carrier is quoting at a higher rate, the difference is either schedule debit, EMR, deductible loading, or a state-fund surcharge, ask which.
  3. Calculate your effective rate. Effective rate = base rate × EMR ± schedule credit/debit ± deductible loading. Two carriers quoting code 8800 at the same base can vary 30%+ on effective rate after these adjustments.
  4. Consider lower-rate states if locationally flexible. For code 8800, Utah ($0.330) is 91% cheaper than California ($3.48). Multi-state employers split payroll by state-of-work, not state-of-headquarters, so locating the high-payroll site in a cheaper state directly lowers premium.
  5. Build a 3-year EMR strategy. A 0.85 EMR cuts base rate by 15%; the difference between 0.85 and 1.25 EMR on the same code is a 47% premium difference. Frequency control (preventing every claim, even small ones) drives EMR more than severity control.

Code 8800 rates in all 22 states

State Code Rate per $100 vs peers Source
Utah 8800 $0.330 5% view
Virginia 8800 $0.504 9% view
Kansas 8800 $0.550 18% view
Tennessee 8800 $0.550 18% view
Maryland 8800 $0.570 23% view
Kentucky 8800 $0.580 27% view
Oregon 8800 $0.620 32% view
Michigan 8800 $0.840 36% view
Alabama 8800 $0.890 41% view
Minnesota 8800 $0.900 45% view
Rhode Island 8800 $0.920 50% view
Arkansas 8800 $0.930 55% view
Oklahoma 8800 $0.940 59% view
Louisiana 8800 $1.15 64% view
Indiana 8800 $1.16 68% view
Alaska 8800 $1.24 73% view
Hawaii 8800 $1.41 77% view
Nevada 8800 $1.58 82% view
New York 8800 $1.64 86% view
Illinois 8800 $1.93 91% view
New Jersey 8800 $3.18 95% view
California 8800 $3.48 100% view

Bottom quartile (cheap) Mid Top quartile (expensive)

What types of claims drive code 8800 rates?

Workers comp rate filings for code 8800 reflect what's actually happening on the job, not just generic occupation hazard. NCCI publishes loss-cost analyses showing which injury categories account for the bulk of indemnity (lost-wage) and medical claim cost. For Office Clerical, the top drivers are typically:

  • Repetitive strain from keyboard and mouse work produces wrist, forearm, and neck claims over time.
  • Slips and falls, wet floors, electrical cords, and stair incidents, account for most office injuries.
  • Ergonomic strain from poor workstation setup drives a steady tail of musculoskeletal claims.
  • Trip and fall while carrying items, often involving stairs, produces moderate-severity claims.

Targeting these drivers in your safety program produces the largest EMR improvement. Frequency control (preventing every claim, including small medical-only incidents) drives the modifier more than severity control. A documented written safety program addressing the top two drivers above is typically the highest-ROI intervention for employers paying for code 8800.

FAQs about NCCI 8800

What occupation is NCCI class code 8800?

Class code 8800 is "Office Clerical" (also known as Clerical Staff, Administrative Staff), in the office_clerical industry. The code is filed in 22 states.

What is the average workers comp rate for code 8800?

The median rate across 22 states is $0.930 per $100 of payroll, ranging from $0.330 (Utah) to $3.48 (California).

Why does code 8800 cost more in some states than others?

Workers comp rates reflect each state's loss experience for that occupation, the rating bureau's methodology (NCCI vs. independent), schedule rating credits, and the state's medical-cost inflation. Some states are monopolistic (only the state fund writes coverage) while others are open competitive markets.