Workers’ comp insurance cost for physician offices in Texas

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

Modeled from the 2024 filed manual rate of $0.20 per $100 of payroll: a <5-employee physician practice lands around $260–$1k 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.

Q: Why do quotes for the same business differ so much between insurers?

Each carrier files its own pricing with the Texas Department of Insurance — across 300+ filings, loss-cost multipliers span 0.09×–5.93× (special programs included) and filed schedule-rating credits/debits reach ±40%. Same class code, very different filed prices — which is why brokers shop the market.

Published 2026-06-11 · by Brokly

Direct answer: Texas physician offices pay a filed workers’-comp manual rate of $0.20 per $100 of payroll (2024 filed rate) — the 36th-highest of 51 US jurisdictions. Modeled on real payrolls, most <5-employee physician offices land around $260–$1k/yr, before experience mods and schedule credits.

58% of TX physician offices have <5 employees — the chart below prices every size band from its own observed payroll.
Texas sits 36th of 51: FL pays more ($0.25), AZ less ($0.19).
Workers’ comp is one of several coverages — see everything your physician practice needs in Texas →

What do Texas physician offices pay for workers’ comp?

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

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

typical · most TX physician offices

▼

<5 emp

≈$420/yr

5–9 emp

≈$1.1k/yr

10–19 emp

≈$2.4k/yr

20–49 emp

≈$5.4k/yr

50–99 emp

≈$15k/yr

100–249 emp

≈$36k/yr

SMALLER

MID-SIZE

LARGER

A <5-employee TX physician practice: modeled $260–$1k/yr in workers’-comp premium (that band’s own average wage, before experience mods and schedule credits). Bar heights show how many of the 21,500 TX physician offices fall in each size band.

Cohort: size distribution of 21,500 TX physician offices (Census CBP 2023); premiums modeled from one filed rate ($0.20/$100 payroll, 2024). Bands shown cover 21,439 of 21,500 establishments (99.7%) — 61 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 (TX)

$0.20 / $100 payroll

as of 2024

Typical <5-employee physician practice (58% of TX)

$260–$1k / yr modeled

as of 2024 · CBP 2023

Carrier multipliers (TX filings)

0.09×–5.93× 300+ filings, special programs incl.

as of 2026-05-28

Schedule credits / debits

±40% most carriers

as of 2026-05-28

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) · Texas Dept. of Insurance — WC insurance-company rate filings (LCMs + schedule rating) (as of 2026-05-28, retrieved 2026-06-05)

How does Texas 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
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
38	Maryland	$0.20
39	Indiana	$0.19
40	Michigan	$0.19

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 Texas?

Modeled from the 2024 filed manual rate of $0.20 per $100 of payroll: a <5-employee physician practice lands around $260–$1k 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.

Why do quotes for the same business differ so much between insurers?

Each carrier files its own pricing with the Texas Department of Insurance — across 300+ filings, loss-cost multipliers span 0.09×–5.93× (special programs included) and filed schedule-rating credits/debits reach ±40%. Same class code, very different filed prices — which is why brokers shop the market.

Physician offices in nearby-ranked states: Kentucky ($0.20) · Mississippi ($0.22) · Maryland ($0.20) · Massachusetts ($0.23)

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Illustrative benchmark — not a quote or coverage recommendation. Figures are modeled from public filings and Census data for 21,500 Texas physician offices; your premium depends on your payroll, claims history, and carrier.