Workers Comp for Office & Professional Services Companies
Office & Professional Services businesses pay an average of $500–$3,000 per year in workers comp premiums. The most common classification mistake is being coded under a catch-all class code instead of the specific low-rate professional code that applies. Here's how to make sure you're paying the right amount.
Real savings example
An accounting firm incorrectly coded under a general business code instead of 8803 could be paying 2-3x more than necessary.
Common NCCI Codes for Office & Professional Services
| Code | Description | Rate/$100 |
|---|---|---|
| 8810 | Clerical Office | $0.16 |
| 8742 | Sales Outside | $0.42 |
| 8803 | Auditors, Accountants | $0.12 |
| 8820 | Attorney | $0.14 |
Rates are approximate national averages per $100 of payroll. Actual rates vary by state and insurer.
Tips to Lower Your Office & Professional Services Workers Comp Premium
Professional firms (law, accounting, consulting) have among the lowest workers comp rates
If you have any field or outside sales staff, they need a separate higher-rate code — but make sure it's the right one
Remote/work-from-home employees are still covered by workers comp and should be classified correctly
Tech companies are often coded as clerical office (8810) — make sure you're not under a miscellaneous code with a higher rate
Check if your office & professional services business is misclassified
Our free 2-minute tool compares your setup against NCCI benchmarks.
Check My Premium \u2192This guide is for informational purposes only and is not insurance advice.