Workers’ comp insurance cost for physician offices in Virginia

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

Modeled from the 2024 filed manual rate of $0.15 per $100 of payroll: a <5-employee physician practice lands around $180–$730 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: Virginia physician offices pay a filed workers’-comp manual rate of $0.15 per $100 of payroll (2024 filed rate) — the 49th-highest of 51 US jurisdictions. Modeled on real payrolls, most <5-employee physician offices land around $180–$730/yr, before experience mods and schedule credits.

43% of VA physician offices have <5 employees — the chart below prices every size band from its own observed payroll.
Virginia sits 49th of 51: OH pays more ($0.18).
Workers’ comp is one of several coverages — see everything your physician practice needs in Virginia →

What do Virginia physician offices pay for workers’ comp?

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

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

typical · most VA physician offices

▼

<5 emp

≈$330/yr

5–9 emp

≈$1k/yr

10–19 emp

≈$2.1k/yr

20–49 emp

≈$4.7k/yr

50–99 emp

≈$10k/yr

100–249 emp

≈$26k/yr

SMALLER

MID-SIZE

LARGER

A <5-employee VA physician practice: modeled $180–$730/yr in workers’-comp premium (that band’s own average wage, before experience mods and schedule credits). Bar heights show how many of the 4,759 VA physician offices fall in each size band.

Cohort: size distribution of 4,759 VA physician offices (Census CBP 2023); premiums modeled from one filed rate ($0.15/$100 payroll, 2024). Bands shown cover 4,732 of 4,759 establishments (99.4%) — 27 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 (VA)

$0.15 / $100 payroll

as of 2024

Typical <5-employee physician practice (43% of VA)

$180–$730 / 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 Virginia 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
45	Kansas	$0.18
46	Tennessee	$0.17
47	North Dakota	$0.15
48	Utah	$0.15
49	Virginia	$0.15
50	Arkansas	$0.13
51	West Virginia	$0.10

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 Virginia?

Modeled from the 2024 filed manual rate of $0.15 per $100 of payroll: a <5-employee physician practice lands around $180–$730 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: Arkansas ($0.13) · West Virginia ($0.10) · Tennessee ($0.17) · Nevada ($0.18)

Stay informed

We’ll notify you when we’re ready to benchmark your physician practice’s coverage.

No spam — one email.

Illustrative benchmark — not a quote or coverage recommendation. Figures are modeled from public filings and Census data for 4,759 Virginia physician offices; your premium depends on your payroll, claims history, and carrier.