NCCI · 18 states

Workers comp rates for code 9084: Hotel, All Employees

NCCI class code 9084 covers Hotel, All Employees in the hospitality industry. The median rate across 18 states is $0.760 per $100 payroll. Rates range from $0.380 in Kentucky to $2.59 in California.

Also known as: Motel · Inn

Cheapest 5 states for code 9084

  1. Kentucky $0.380
  2. Tennessee $0.410
  3. Kansas $0.440
  4. Utah $0.470
  5. Virginia $0.505

Most expensive 5 states

  1. California $2.59
  2. Illinois $1.10
  3. Hawaii $0.940
  4. Rhode Island $0.840
  5. Alabama $0.840

What does NCCI class code 9084 cover?

Class code 9084 classifies employees performing Hotel, All Employees, also known as Motel, Inn. The NCCI classification system groups occupations by similar workplace exposure, loss-experience patterns, and operational characteristics. Code 9084 falls within the hospitality industry group and is filed in 18 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 9084, 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 9084 vary so widely across states

The rate spread for code 9084 is 6.8× from cheapest to most expensive ($0.380 in Kentucky to $2.59 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 9084 rate data

  1. Benchmark your carrier quote. A carrier quoting code 9084 above the $0.840 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 9084 at the same base can vary 30%+ on effective rate after these adjustments.
  4. Consider lower-rate states if locationally flexible. For code 9084, Kentucky ($0.380) is 85% cheaper than California ($2.59). 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 9084 rates in all 18 states

State Code Rate per $100 vs peers Source
Kentucky 9084 $0.380 6% view
Tennessee 9084 $0.410 11% view
Kansas 9084 $0.440 17% view
Utah 9084 $0.470 22% view
Virginia 9084 $0.505 28% view
Maryland 9084 $0.520 33% view
Nevada 9084 $0.630 39% view
Louisiana 9084 $0.690 44% view
Arkansas 9084 $0.720 50% view
Oklahoma 9084 $0.760 56% view
Minnesota 9084 $0.780 61% view
Indiana 9084 $0.790 67% view
Alaska 9084 $0.810 72% view
Alabama 9084 $0.840 83% view
Rhode Island 9084 $0.840 83% view
Hawaii 9084 $0.940 89% view
Illinois 9084 $1.10 94% view
California 9084 $2.59 100% view

Bottom quartile (cheap) Mid Top quartile (expensive)

What types of claims drive code 9084 rates?

Workers comp rate filings for code 9084 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 Hotel, All Employees, the top drivers are typically:

  • Patient-handling injuries, lifting and transferring patients, drive 35-50% of healthcare claim cost.
  • Workplace violence, increasingly cited in ER, behavioral health, and long-term care, is the fastest-growing healthcare claim category.
  • Sharps and bloodborne pathogen exposure, including needlestick injuries, produce long-tail surveillance claims.
  • Slips, trips, falls on wet floors are persistent frequency drivers.

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 9084.

FAQs about NCCI 9084

What occupation is NCCI class code 9084?

Class code 9084 is "Hotel, All Employees" (also known as Motel, Inn), in the hospitality industry. The code is filed in 18 states.

What is the average workers comp rate for code 9084?

The median rate across 18 states is $0.760 per $100 of payroll, ranging from $0.380 (Kentucky) to $2.59 (California).

Why does code 9084 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.