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COVERAGE / WORKERS' COMP / CLASS CODES / 8869
CLASS CODE · EDUCATION + CHILDCARE, FRANCHISE GROUPS

Class code 8869: child day care

Code 8869 covers child day care centers and day camps for preschool and school-age children: every employee, including office staff, salespeople and drivers.

SYSTEM
NCCI numbering
INDUSTRY
Education + childcare, Franchise groups
WHERE
NCCI states, not Texas
PREMIUM ON
Payroll in this class
WHAT THE CODE COVERS

Child day care centers and day camps, all employees.

What work does code 8869 cover?

It does not apply to traditional schools that care for their pupils before and after the school day. Orphanages and medical providers for children are classed separately.

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.

Which pay counts toward code 8869 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 8869 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, Utah, Vermont, Virginia, West Virginia

Texas does not list 8869 in its advisory loss costs effective July 1, 2026, so a Texas policy uses another class for this work.

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

Listed differently in these states

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
Gross 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.
For the cost per employee.
PAY FREQUENCY
Your rating
From 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.
Compares 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
0 if your quote shows none.
If your quote shows one.
ESTIMATED ANNUAL PREMIUM · CODE 8869
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

Does a school's after-care program use 8869?
No. Minnesota excludes traditional schools that care for their pupils before and after the school day.
Is code 8869 used in Texas?
No. Code 8869 is not in Texas's advisory loss costs effective July 1, 2026, so this work takes another class there. Your carrier or advisor confirms which.
How is the premium for code 8869 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 8868Schools, teaching and office staffSchools' and colleges' professional and clerical staff.CODE 9101Schools, all other staffEvery school and college employee not in 8868.CODE 9083Fast food restaurantsRestaurants that prepare and serve food with no wait staff.INDUSTRYEducation + childcarePrivate schools and childcare centersINDUSTRYFranchise groupsMulti-unit franchiseesALL CLASS CODESEvery code, by industryOffice, sales and the codes for each industry we serve.

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