NCCI · 22 states

Workers comp rates for code 8803: Real Estate Clerical

NCCI class code 8803 covers Real Estate Clerical in the services industry. The median rate across 22 states is $0.030 per $100 payroll. Rates range from $0.010 in Utah to $0.090 in California.

Also known as: Real Estate Office Staff

Cheapest 5 states for code 8803

  1. Utah $0.010
  2. Virginia $0.010
  3. Kansas $0.020
  4. Kentucky $0.020
  5. Maryland $0.020

Most expensive 5 states

  1. California $0.090
  2. Nevada $0.050
  3. New Jersey $0.050
  4. Indiana $0.050
  5. Alaska $0.050

What does NCCI class code 8803 cover?

Class code 8803 classifies employees performing Real Estate Clerical, also known as Real Estate Office Staff. The NCCI classification system groups occupations by similar workplace exposure, loss-experience patterns, and operational characteristics. Code 8803 falls within the services 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 8803, 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 8803 vary so widely across states

The rate spread for code 8803 is 9.0× from cheapest to most expensive ($0.010 in Utah to $0.090 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 8803 rate data

  1. Benchmark your carrier quote. A carrier quoting code 8803 above the $0.040 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 8803 at the same base can vary 30%+ on effective rate after these adjustments.
  4. Consider lower-rate states if locationally flexible. For code 8803, Utah ($0.010) is 89% cheaper than California ($0.090). 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 8803 rates in all 22 states

State Code Rate per $100 vs peers Source
Utah 8803 $0.010 9% view
Virginia 8803 $0.010 9% view
Kansas 8803 $0.020 32% view
Kentucky 8803 $0.020 32% view
Maryland 8803 $0.020 32% view
Oregon 8803 $0.020 32% view
Tennessee 8803 $0.020 32% view
Illinois 8803 $0.025 36% view
Alabama 8803 $0.030 55% view
Michigan 8803 $0.030 55% view
Minnesota 8803 $0.030 55% view
Rhode Island 8803 $0.030 55% view
New York 8803 $0.031 59% view
Arkansas 8803 $0.040 77% view
Hawaii 8803 $0.040 77% view
Louisiana 8803 $0.040 77% view
Oklahoma 8803 $0.040 77% view
Alaska 8803 $0.050 95% view
Indiana 8803 $0.050 95% view
New Jersey 8803 $0.050 95% view
Nevada 8803 $0.050 95% view
California 8803 $0.090 100% view

Bottom quartile (cheap) Mid Top quartile (expensive)

What types of claims drive code 8803 rates?

Workers comp rate filings for code 8803 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 Real Estate Clerical, the top drivers are typically:

  • Musculoskeletal strain, lifting, twisting, and repetitive motion, is the most-common claim type across occupations.
  • Slips, trips, and falls on workplace surfaces account for 15-25% of typical workplace injuries.
  • Struck-by objects, falling and moving items, produce significant medical-only and indemnity claims.
  • Cumulative trauma conditions develop over years and produce long-tail claim costs in many occupations.

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 8803.

FAQs about NCCI 8803

What occupation is NCCI class code 8803?

Class code 8803 is "Real Estate Clerical" (also known as Real Estate Office Staff), in the services industry. The code is filed in 22 states.

What is the average workers comp rate for code 8803?

The median rate across 22 states is $0.030 per $100 of payroll, ranging from $0.010 (Utah) to $0.090 (California).

Why does code 8803 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.