Workers' Comp Class Codes & Rates by State
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Every workers' comp premium starts with a classification code — the NCCI (or state-bureau) code that describes the work and sets the base rate. These pages show each code's hazard profile and real filed loss costs by state, drawn from state rating-bureau filings. Start with a common code below, or look up any code with the tools.
Common workers' comp class codes
CLASS CODE 5551
Roofing
Filed loss costs by state →
CLASS CODE 8810
Clerical Office Employees
Filed loss costs by state →
CLASS CODE 5645
Carpentry — Residential
Filed loss costs by state →
CLASS CODE 5474
Painting
Filed loss costs by state →
CLASS CODE 0005
Landscaping / Nursery
Filed loss costs by state →
CLASS CODE 7380
Drivers & Chauffeurs
Filed loss costs by state →
CLASS CODE 9082
Restaurant (Full-Service)
Filed loss costs by state →
CLASS CODE 9083
Restaurant — Fast Food
Filed loss costs by state →
CLASS CODE 9403
Refuse / Garbage Collection
Filed loss costs by state →
Related WC data & guides
- Rate filings by state — the filed workers'-comp loss costs behind these codes.
- WC loss costs by state (2026 study) — the deep-dive data study.
- Is workers' comp profitable? — NAIC loss ratios by state.
- Workers' Compensation guide — what it covers and who needs it.