Are a dental office's front desk staff in 8810?

No. Minnesota lists the dentist or physician and clerical staff together in 8832.

Is code 8832 used in Texas?

Yes. Texas lists 8832 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 8832 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 / 8832

CLASS CODE · HEALTHCARE, DENTAL + VETERINARY GROUPS

Class code 8832: physician and dental offices

Code 8832 covers physicians' and dentists' offices together with their clerical staff. It does not apply where patients stay overnight.

SYSTEM: NCCI numbering
INDUSTRY: Healthcare, Dental + veterinary groups
WHERE: NCCI states, Texas included
PREMIUM ON: Payroll in this class

WHAT THE CODE COVERS

Physician and dental offices, with their clerical staff.

What work does code 8832 cover?

Minnesota lists both physicians and dentists with clerical staff under 8832. Employees who serve premises not used for professional purposes are classed separately. An eye care practice that also sells eyewear stays in 8832 while eyewear is half its receipts or less. A testing lab that is part of the practice stays in 8832; an independent lab is classed elsewhere.

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

4511 Independent labs that analyze medical specimens, in Minnesota.
8013 Eye care practices whose eyewear sales are over half of receipts.

Which pay counts toward code 8832 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 8832 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 8832 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 8832

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

Are a dental office's front desk staff in 8810?: No. Minnesota lists the dentist or physician and clerical staff together in 8832.
Is code 8832 used in Texas?: Yes. Texas lists 8832 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 8832 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 8835Home and traveling health careHome health, public and traveling nursing, all employees.INDUSTRYHealthcareClinics and outpatient care INDUSTRYDental + veterinary groupsMulti-site practice groups ALL CLASS CODESEvery code, by industryOffice, sales and the codes for each industry we serve.

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