Class Code
0008 — Florist — Cultivating or Gardening & Drivers 0034 — Farm — Poultry or Egg Producer 0036 — Farm — Dairy & Drivers 0042 — Landscape Gardening & Drivers 0050 — Farm Machinery Operation — By Contractor & Drivers 0083 — Farm — Cattle or Livestock Raising NOC & Drivers 0106 — Tree Pruning, Spraying, Repairing — All Operations & Drivers 1320 — Oil or Gas Lease Operator — All Operations & Drivers 2003 — Bakery & Drivers, Route Supervisors 2014 — Grain Milling 2070 — Creamery & Route Supervisors, Drivers 2731 — Cabinet Manufacturing 2812 — Furniture Manufacturing 3066 — Sheet Metal Products — Manufacturing Shop 3076 — Iron or Steel — Fabrication of Plate, Bar Stock, Sheet Metal 3632 — Machine Shop NOC 3724 — Millwright Work NOC 5022 — Masonry NOC 5183 — Plumbing NOC & Drivers 5188 — Automatic Sprinkler Installation 5190 — Electrical Wiring — Within Buildings 5191 — Office Machine Installation, Inspection, Adjustment 5213 — Concrete Construction NOC 5221 — Concrete or Cement Work — Floors, Driveways, Sidewalks 5403 — Carpentry — NOC 5429 — Plastering — NOC & Drivers 5437 — Carpentry — Installation of Cabinet Work or Interior Trim 5443 — Lathing & Drivers 5445 — Wallboard Installation Within Buildings & Drivers 5462 — Glazier — Away from Shop 5474 — Painting NOC & Shop Operations 5478 — Carpet, Linoleum, Vinyl, Tile Installation — Floor Covering 5491 — Paperhanging 5535 — Sheet Metal Work — Erection NOC 5538 — Sheet Metal Work — Shop and Outside, NOC 5551 — Roofing — All Kinds & Drivers 5606 — Contractor — Project Manager / Construction Executive 5610 — Cleaner — Debris Removal 5645 — Carpentry — Detached One/Two Family Dwellings 5651 — Carpentry — Dwellings Three Stories or Less 6003 — Pile Driving 6217 — Excavation & Drivers 6229 — Irrigation or Drainage System Construction & Drivers 6306 — Sewer Construction & Drivers 6325 — Conduit Construction — For Cables or Wires & Drivers 7219 — Trucking NOC 7228 — Trucking — Local Hauling Only & Drivers 7229 — Trucking — Long Distance Hauling & Drivers 7230 — Trucking — Parcel or Package Delivery — All Employees & Drivers 7231 — Mail, Parcel or Package Delivery — Under Contract with U.S. Postal Service 7370 — Taxicab Co. — All Other Employees & Drivers 7380 — Drivers, Chauffeurs & Their Helpers NOC 7382 — Bus Co. — Other Than School & Drivers 7600 — Telecommunications Company — Cable TV or Satellite 7601 — Telephone, Telegraph or Fire Alarm Line Construction 7720 — Police Officers & Drivers 7723 — Detective Agency or Patrol — All Employees & Drivers 8006 — Gasoline Station — Self-Service 8008 — Store — Clothing or Apparel 8010 — Store — Hardware 8013 — Store — Jewelry 8017 — Store — Retail NOC 8018 — Store — Wholesale NOC 8033 — Store — Meat, Fish, or Poultry Dealer 8044 — Store — Furniture 8264 — Bottling NOC & Drivers 8292 — Warehouse — Storage NOC & Drivers 8380 — Automobile Service or Repair Center & Drivers 8385 — Automobile Garages — Full Service Parking & Drivers 8389 — Automobile Storage Garage / Parking Lot — All Other Employees 8391 — Automobile Dealer & Drivers — All Other Employees 8742 — Salespersons or Collectors — Outside 8745 — News Agents or Distributors of Magazines or Other Periodicals 8748 — Automobile Salespersons 8803 — Auditor, Accountant or Computer System Designer or Programmer — Traveling 8810 — Clerical Office Employees 8820 — Attorney — All Employees & Clerical, Messengers, Drivers 8829 — Convalescent or Nursing Home — All Employees 8831 — Hospital — Veterinary — Professional Employees 8832 — Physician & Clerical 8833 — Hospital — Professional Employees 8834 — Physician — All Employees 8835 — Home, Public, & Traveling Health Care — All Employees 8855 — Banks & Trust Companies — All Employees, Salespersons, Drivers, & Clerical 8856 — Check Cashing Establishment — All Employees & Clerical, Salespersons, Drivers 8861 — Charitable or Welfare Organization — Professional Employees & Clerical 8868 — College — Professional Employees & Clerical 8869 — Day Care Center — Professional Employees & Clerical 8871 — Clerical Telecommuter Employees 8901 — Telephone or Telegraph Co. — Office or Exchange Employees & Clerical 9014 — Janitorial Services by Contractors — No Window Cleaning Above Ground Level & Drivers 9015 — Building Operation NOC — All Other Employees 9050 — Hotel — Restaurant Employees (alt) 9051 — Hospital — Veterinary & Drivers 9052 — Hotel — All Other Employees & Drivers 9058 — Hotel Restaurant Employees 9059 — Country Club — Restaurant Employees 9061 — Club — Country, Golf, Fishing or Yacht — All Employees 9072 — Pizza Shop / Delivery — Restaurant 9079 — Restaurant — Bartender / Tavern 9082 — Restaurant — NOC 9083 — Restaurant — Fast Food 9089 — Health or Exercise Institute — All Employees 9101 — College — All Other Employees 9102 — Park NOC — All Employees & Drivers 9170 — Janitorial Services — Residential 9180 — Amusement Park or Exhibition — All Other Employees & Drivers 9501 — Painting — Shop Only 9519 — Household Appliance — Installation, Service or Repair 9521 — Auto Body Repair — Painting & Refinishing 9522 — Upholstering 9586 — Barber Shop and Beauty Parlor
State Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming State affects rate via bureau filings
Estimated Annual Premium
Range: $0 – $0
📌 This is an estimate only
Actual workers' comp premium depends on the carrier's filed rates in your
state, your specific class code, claims history, payroll auditing, and any
discounts/surcharges. Get a real quote in 60 seconds and we'll show you
actual rates from 12+ carriers.
How is workers' comp premium calculated?
Premium = (Payroll ÷ 100) × Rate × Experience Mod
Workers' compensation insurance premium is calculated by dividing your
annual payroll by 100, multiplying by the rate for your class code (set by
the state rating bureau or carrier filing), and multiplying by your
experience modification factor.
The rate reflects the injury risk for your industry —
clerical workers (8810) might be $0.15 per $100, while roofers (5551) can
exceed $20 per $100. The experience mod is a multiplier
based on your past claims history; new businesses start at 1.00, and you
earn credits for clean history or surcharges for losses.
Why does my actual quote differ from this estimate? Carrier appetite — some carriers charge above or below filed rates Schedule credits/debits applied by the underwriter Multi-policy or safety program discounts Minimum premium rules (most carriers have $500-$2,500 minimums) Audited payroll vs. estimated payroll differences Class code reassignment after underwriter review