Workers’ comp insurance cost for physician offices in North Carolina

Q: What does workers' comp cost physician offices in North Carolina?

Modeled from the 2024 filed manual rate of $0.25 per $100 of payroll: a <5-employee physician practice lands around $290–$1.2k per year before experience mods and schedule credits.

Q: What drives the rate up or down?

Three levers: payroll (the exposure base), claims history (the experience modifier), and schedule credits/debits the insurer applies. Physician-office work is NCCI class 8832 (Physician & Clerical) — the '& Clerical' is part of the class design, so receptionists and billing staff are rated in the same class as the clinical team rather than split out separately.

Published 2026-06-11 · by Brokly

Direct answer: North Carolina physician offices pay a filed workers’-comp manual rate of $0.25 per $100 of payroll (2024 filed rate) — the 33rd-highest of 51 US jurisdictions. Modeled on real payrolls, most <5-employee physician offices land around $290–$1.2k/yr, before experience mods and schedule credits.

41% of NC physician offices have <5 employees — the chart below prices every size band from its own observed payroll.
North Carolina sits 33rd of 51: OR pays more ($0.27), MD less ($0.20).
Workers’ comp is one of several coverages — see everything your physician practice needs in North Carolina →

What do North Carolina physician offices pay for workers’ comp?

Modeled annual premium across the real size distribution of NC physician offices

bar height = how many physician offices are that size · figures = modeled annual cost

typical · most NC physician offices

▼

<5 emp

≈$490/yr

5–9 emp

≈$1.5k/yr

10–19 emp

≈$3.2k/yr

20–49 emp

≈$7.4k/yr

50–99 emp

≈$17k/yr

100–249 emp

≈$39k/yr

SMALLER

MID-SIZE

LARGER

A <5-employee NC physician practice: modeled $290–$1.2k/yr in workers’-comp premium (that band’s own average wage, before experience mods and schedule credits). Bar heights show how many of the 5,102 NC physician offices fall in each size band.

Cohort: size distribution of 5,102 NC physician offices (Census CBP 2023); premiums modeled from one filed rate ($0.25/$100 payroll, 2024). Bands shown cover 5,066 of 5,102 establishments (99.3%) — 36 establishments in larger, very small-count, or data-suppressed size bands are not shown. 2023 payroll dollars, not inflation-adjusted. Illustrative benchmark — not a quote or coverage recommendation.

Filed manual rate (NC)

$0.25 / $100 payroll

as of 2024

Typical <5-employee physician practice (41% of NC)

$290–$1.2k / yr modeled

as of 2024 · CBP 2023

Sources: Oregon DCBS workers' compensation premium rate ranking study, June 2025 (calendar-year 2024 rates) (as of calendar year 2024, retrieved 2026-06-04) · US Census County Business Patterns 2023, state file (Offices of physicians (NAICS 621111)) (as of 2023, retrieved 2026-06-05)

How does North Carolina compare to nearby ranks?

Calculated manual rates, $ per $100 payroll, NCCI class 8832 (Physician & Clerical), 2024. See all 51 jurisdictions →

Rank	State	Rate / $100 payroll
29	Nebraska	$0.27
30	Iowa	$0.27
31	Florida	$0.25
32	South Dakota	$0.25
33	North Carolina	$0.25
34	Massachusetts	$0.23
35	Mississippi	$0.22
36	Texas	$0.20
37	Kentucky	$0.20

Sources: Oregon DCBS workers' compensation premium rate ranking study, June 2025 (calendar-year 2024 rates) (as of calendar year 2024, retrieved 2026-06-04)

Frequently asked questions

What does workers' comp cost physician offices in North Carolina?

Modeled from the 2024 filed manual rate of $0.25 per $100 of payroll: a <5-employee physician practice lands around $290–$1.2k per year before experience mods and schedule credits.

What drives the rate up or down?

Three levers: payroll (the exposure base), claims history (the experience modifier), and schedule credits/debits the insurer applies. Physician-office work is NCCI class 8832 (Physician & Clerical) — the '& Clerical' is part of the class design, so receptionists and billing staff are rated in the same class as the clinical team rather than split out separately.

Physician offices in nearby-ranked states: Massachusetts ($0.23) · Florida ($0.25) · Mississippi ($0.22) · Iowa ($0.27)

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Illustrative benchmark — not a quote or coverage recommendation. Figures are modeled from public filings and Census data for 5,102 North Carolina physician offices; your premium depends on your payroll, claims history, and carrier.