Workers comp by industry

Agriculture & Farming

$0.010, $96.50 per $100

765 cells · 296 codes · 25 states

High-rate industry with significant state variation. Many states exempt small ag employers from coverage. Code 0006 (farm) and 0079 (orchard).

auto-repair

$0.420, $6.88 per $100

34 cells · 2 codes · 20 states

beauty-salon

$0.151, $1.19 per $100

22 cells · 1 codes · 22 states

cleaning

$0.773, $7.60 per $100

62 cells · 3 codes · 23 states

Construction

$0.032, $53.88 per $100

1,942 cells · 275 codes · 24 states

High-rate industry. Class rates run 4-10x clerical. Premium often dominated by codes 5403 (carpentry), 5190 (electrical), 5183 (plumbing), 5474 (painting), 5645 (residential carpentry).

daycare

$1.89, $4.72 per $100

3 cells · 1 codes · 3 states

Education

$0.020, $8.17 per $100

103 cells · 17 codes · 23 states

Low-rate sector. Code 9101 (college/private school), 8868 (private school) typically $0.50-1.50/$100. Public schools often self-insure or use state pool.

fitness

$0.270, $1.29 per $100

21 cells · 1 codes · 21 states

Healthcare

$0.010, $34.32 per $100

385 cells · 50 codes · 23 states

Wide rate range. Office-based practices (8832 dental, 8833 hospital prof) are low-rate. Hands-on care (8829 nursing home, 9040 home health) runs much higher due to lift injuries.

Hotels & Hospitality

$0.031, $18.97 per $100

260 cells · 33 codes · 24 states

Mid-rate industry. Code 9052 (hotel), 9079 (motel) typically $1.50-3.50/$100. High turnover and varied job mix (housekeeping, maintenance, front-desk) complicate audits.

landscaping

$0.850, $9.96 per $100

22 cells · 1 codes · 22 states

Logging

$0.342, $14.24 per $100

56 cells · 18 codes · 23 states

Among the highest-rate codes nationally. Code 2702 (logging) typically $15-50/$100 payroll. Heavy schedule-credit competition.

Manufacturing

$0.056, $34.79 per $100

5,060 cells · 711 codes · 24 states

Mid-to-high rate industry. Codes vary widely by product (food, metal, chemicals, machinery). Code 3146 (machine shop), 2731 (mill), 4279 (paper).

Mining & Extraction

$0.190, $43.34 per $100

499 cells · 69 codes · 24 states

High-rate, federally co-regulated. MSHA + OSHA + state. Coal mining (1005) > metal mining > stone quarrying.

Nonprofit Organizations

$0.170, $11.54 per $100

30 cells · 11 codes · 20 states

Generally low-to-mid rate. Code 8820 (clerical) for administrative, 8868/9101 for education-related, 9410 for charitable orgs.

Office & Clerical

$0.040, $8.59 per $100

107 cells · 18 codes · 23 states

Lowest-rate industry. Code 8810 (clerical NOC) typically $0.10-0.40/$100 payroll. Many businesses split payroll between high-rate field codes and 8810 for office staff.

Professional Services

$0.010, $92.00 per $100

1,421 cells · 212 codes · 24 states

Generally low-rate. Code 8742 (outside sales), 8810 (clerical), 8809 (executive officer). Most professional services qualify for clerical-rate split.

professional-services

$0.030, $8.64 per $100

88 cells · 4 codes · 22 states

Restaurants & Food Service

$0.360, $4.71 per $100

35 cells · 9 codes · 21 states

Mid-rate industry. Restaurant code 9082 / 9083 (with vs without dining room) typically $1.50-3.50/$100 payroll. Tip credit complicates payroll classification.

Retail

$0.020, $12.71 per $100

1,078 cells · 103 codes · 24 states

Low-to-mid rate industry. Code 8017 (retail store NOC) is the catch-all. Most rates are $1-3/$100 payroll.

security

$0.570, $4.95 per $100

23 cells · 1 codes · 22 states

Transportation & Trucking

$0.090, $66.62 per $100

1,581 cells · 155 codes · 24 states

Highly rate-volatile industry. Long-haul trucking (code 7228) often runs $5-15/$100 of payroll. Local delivery (7231) is lower.