Can a warehouse clerk be in 8810?

No. Work exposed to the operation's hazards, such as a stock or tally clerk's, is outside 8810 under Minnesota's rule. That payroll follows the business's own class.

Is code 8810 used in Texas?

Yes. Texas lists 8810 in its advisory loss costs effective July 1, 2026. Those are loss costs, not rates: a carrier's rate adds its own expenses.

How is the premium for code 8810 worked out?

Your payroll in this class, divided by 100, times your carrier's rate for the class. Then your experience mod, any schedule credit or debit, and an expense constant if your policy has one. Premium discounts, state assessments and minimum premiums are separate.

COVERAGE / WORKERS' COMP / CLASS CODES / 8810

CLASS CODE · EVERY INDUSTRY

Class code 8810: clerical office

Code 8810 is for employees who do office work at a desk set apart from the business's hazards: records, email, phones, data entry. It is a standard exception, so it is rated on its own instead of being folded into your main class.

SYSTEM: NCCI numbering
INDUSTRY: Every industry
WHERE: NCCI states, Texas included
PREMIUM ON: Payroll in this class

WHAT THE CODE COVERS

Office staff whose desks are kept apart from the work floor.

What work does code 8810 cover?

The duties are office duties: keeping records, files and correspondence, writing software, drafting, phone work including phone sales, and data entry. The desk has to be separated from the operation by a floor, wall, partition, counter or similar barrier. Going to the bank, collecting the mail, buying supplies or walking onto the floor to hand out paychecks does not disqualify anyone; outside sales, physical labor or supervising non-office workers on the floor does. Minnesota also rates clerical telecommuters, working from an office in their own home, as 8810; Texas lists a separate code, 8871, so check your state's manual for home-based office staff.

Described in our own words from Minnesota's rating bureau manual. Minnesota has its own rating bureau, so NCCI's wording may differ. Wording and scope differ by state; the manual filed in your state decides.

Often confused with

8742 Staff who sell or collect away from the office go to 8742, not 8810.
8803 Clerical-type staff of accounting or computer firms who travel to clients go to 8803.
8871 A separate code Texas lists; used in some states for clerical staff working from home.

Which pay counts toward code 8810 premium?

Premium is figured on payroll for the work in this class, and the rate is premium per $100 of it. What counts is set state by state. Minnesota's manual and Oregon's state fund, SAIF, both count employees' pre-tax deductions, such as 401(k) and Section 125 contributions, and both leave out the overtime premium, the extra half of time and a half (Minnesota requires records that show overtime pay by employee and by class). Check your state's rules.

WHERE IT APPLIES

Where does code 8810 apply?

NCCI is the rating bureau

These states have named NCCI their rating organization, so the code comes from NCCI's manual, with each state's exceptions.

Alabama, Alaska, Arizona, Arkansas, Colorado, Connecticut, District of Columbia, Florida, Georgia, Hawaii, Idaho, Illinois, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Mexico, Oklahoma, Oregon, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, West Virginia

Texas lists 8810 in its advisory loss costs effective July 1, 2026.

Own rating bureau: check its manual

An independent bureau sets the classes. Many numbers match NCCI's, but wording and scope can differ: Indiana's bureau files NCCI's manual with Indiana-specific codes, while Minnesota's publishes its own.

California, Delaware, Indiana, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Carolina, Pennsylvania, Wisconsin

State fund only

NCCI lists these as monopolistic states: workers' comp comes from the state fund, so ask the fund how it classes your work. Ohio's fund rates on NCCI classification codes; North Dakota, Washington and Wyoming use their own. Washington has its own risk classes and publishes hourly rates, so premium there follows hours worked, not payroll.

North Dakota, Ohio, Washington, Wyoming

Sources: NCCI State Map: NCCI, independent bureau and monopolistic states; TDI: Texas advisory loss costs, effective July 1, 2026. Each state's rules and sources: Workers' comp by state.

ESTIMATE YOUR PREMIUM

Your payroll, your rate, before discounts and assessments.

Payroll in this class

PREMIUM PAYROLL IN THIS CLASS, PER YEARGross pay for the work in this class. Pre-tax deductions (401(k), Section 125) count. Overtime premium (the extra half) usually does not. Check your state's rules.

EMPLOYEES IN THIS CLASSFor the cost per employee.

PAY FREQUENCY

Your rating

YOUR RATE PER $100 OF PREMIUM PAYROLLFrom your quote or policy. Where loss costs are filed instead of rates, as in Texas, they leave out the carrier's expenses and are lower than your rate.

EXPERIENCE MODCompares your payroll and claims with the average employer in the same class codes. At 1.00 premium is unchanged; below 1.00 it drops, above 1.00 it rises.

SCHEDULE RATING

SCHEDULE CREDIT OR DEBIT, %0 if your quote shows none.

EXPENSE CONSTANT, PER YEARIf your quote shows one.

ESTIMATED ANNUAL PREMIUM · CODE 8810

Enter your rate

Before discounts and assessments.

Worklio Insurance bills pay-as-you-go comp with each payroll, no deposit; the audit usually confirms what you've already paid.

Not included: premium discount on larger policies, state assessments, terrorism and catastrophe charges, minimum premium.Get a real quote

In North Dakota, Ohio, Washington and Wyoming, ask the state fund for your class and rate.

COMMON QUESTIONS

Can a warehouse clerk be in 8810?: No. Work exposed to the operation's hazards, such as a stock or tally clerk's, is outside 8810 under Minnesota's rule. That payroll follows the business's own class.
Is code 8810 used in Texas?: Yes. Texas lists 8810 in its advisory loss costs effective July 1, 2026. Those are loss costs, not rates: a carrier's rate adds its own expenses.
How is the premium for code 8810 worked out?: Your payroll in this class, divided by 100, times your carrier's rate for the class. Then your experience mod, any schedule credit or debit, and an expense constant if your policy has one. Premium discounts, state assessments and minimum premiums are separate.

SOURCES

For planning, not a quote or a classification ruling. An advisor confirms your class codes with your carrier.

New to workers' comp? Worklio HCM explains workers' compensation.

MORE CLASS CODES

CODE 8742Outside salesSalespeople and collectors who work away from the employer's premises.ALL CLASS CODESEvery code, by industryOffice, sales and the codes for each industry we serve.

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