Buy Workers' Compensation for Healthcare & Social Services 

Workers’ compensation premiums are calculated, in part, by the kinds of work performed. Many businesses have multiple functions performed by different kinds of employees - others have just a few people who wear many different hats. It’s important to classify employees accurately - based on what they spend the majority of their time doing - because this could alter your premium dramatically.

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What to Know

  • Jobs in healthcare and social services are mid- to high-risk relative to other industries.
  • The nature of your business, number of employees being covered and past coverage and claims are all factors in how much your premium will cost. Learn more about workers' comp insurance rates >>

Potential Hazards

  • Healthcare workers risk exposure to radioactive material, x-rays and hazardous chemicals.
  • Healthcare jobs often require long hours and standing for extended periods of time. Fatigue and stress are common complaints.
  • Patient handling can result in musculoskeletal problems, such as back and shoulder injuries.
  • Jobs in healthcare and social services involve regular human interaction with unfamiliar clients, putting workers at greater risk for contracting contagious illnesses or being injured in a violent incident.

About Work Class Codes

Many businesses have several work class codes that describe what their employees do. It’s important to classify each group of employees accurately because it could alter your premium dramatically.

Healthcare & Social Services Work Class Codes

  • Physician office
  •  Dental office
  • Massage therapist
  • Youth center
  • Food bank & homeless shelter
  • Senior citizens’ center

Other Tips

If you employ workers in multiple states or your employees are temporarily working out-of-state, you need to purchase insurance for all the states where your workers are located, according to each state’s laws.

The nature of your business, number of employees being covered and past coverage and claims are all factors in how much your premium will cost.

Learn more about workers’ comp insurance rates >>

Here's What You Need to Get Started

To buy workers compensation insurance, you need to request a quote from a licensed insurance agent and provide some details about your business.

Here’s what to have in front of you:

  • Number of employees in each class code.
  • Total payroll for all employees. You may be able to exclude yourself if you don't wish to be covered under the policy. 
  • Federal ID Number. If you are a sole proprietor, you can use your Social Security Number.
  • Copy of your workers comp insurance policy, if you've had coverage or claims in the past few years. If you know your company's experience mod, please have your experience mod rating sheet or policy in front of you. Otherwise, you will be assigned a default rating of 1.0.

The information on this page has been interpreted and summarized for your convenience. Please consult your state's governing authority for the most current and complete legislation.