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Workers’ comp rates for physician offices, state by state

Published 2026-06-11 · by Brokly

Required in nearly all states

Direct answer: workers’ comp is required in nearly every state once physician offices have employees — each state sets its own threshold and files its own rates. For NCCI class 8832 they span $0.10 to $0.96 per $100 of payroll (2024 filed) — Hawaii is the most expensive, West Virginia the cheapest, and the median state pays $0.28. Pick your state below for its mandate and modeled dollar costs by business size.

Requirement: NAIC — Small Business Insurance. Thresholds vary by state — your state’s guide below has the statute.

Highest state
$0.96 Hawaii
as of 2024
Median state
$0.28 / $100 payroll
as of 2024
Lowest state
$0.10 West Virginia
as of 2024
Offices of physicians (NAICS 621111) covered
179,781 establishments in 38 states
as of CBP 2023
Workers’ compMedical malpractice · benchmark comingGeneral liability · benchmark comingCyber insurance · benchmark coming

How much is workers’ comp for physician offices in each state?

Calculated manual rates, $ per $100 payroll, NCCI class 8832 (Physician & Clerical), 2024. The study notes rates “may include loss cost multipliers and assessments.” Alphabetical; rank 1 = most expensive of 51. Linked state names open the state’s coverage guide; linked rates open the cost breakdown.

StateRate / $100 payrollTypical physician practice, modeled $/yrRank
Alabama$0.29≈$59025
Alaska$0.48≈$1.4k7
Arizona$0.19—41
Arkansas$0.13≈$28050
California$0.71≈$1.4k2
Colorado$0.30≈$93020
Connecticut$0.43≈$90012
Delaware$0.44≈$89011
District of Columbia$0.19≈$45042
Florida$0.25≈$50031
Georgia$0.28≈$58027
Hawaii$0.96≈$1.8k1
Idaho$0.30≈$54022
Illinois$0.34≈$68015
Indiana$0.19≈$32039
Iowa$0.27≈$59030
Kansas$0.18—45
Kentucky$0.20≈$47037
Louisiana$0.30≈$64021
Maine$0.47≈$7508
Maryland$0.20≈$46038
Massachusetts$0.23≈$52034
Michigan$0.19≈$37040
Minnesota$0.30≈$75023
Mississippi$0.22≈$46035
Missouri$0.30≈$86024
Montana$0.46≈$1k10
Nebraska$0.27—29
Nevada$0.18≈$42043
New Hampshire$0.31≈$1.3k19
New Jersey$0.52≈$1.3k6
New Mexico$0.32≈$53018
New York$0.56≈$1.2k4
North Carolina$0.25≈$49033
North Dakota †$0.15—47
Ohio †$0.18—44
Oklahoma$0.33—16
Oregon$0.27≈$45028
Pennsylvania$0.34≈$75014
Rhode Island$0.35—13
South Carolina$0.33≈$86017
South Dakota$0.25—32
Tennessee$0.17≈$33046
Texas$0.20≈$42036
Utah$0.15—48
Vermont$0.46—9
Virginia$0.15≈$33049
Washington †$0.56—5
West Virginia$0.10≈$25051
Wisconsin$0.28—26
Wyoming †$0.57—3

† state-fund jurisdiction — workers’ comp is purchased through the state, not a private market. Unlinked states lack a published rate or a defensible business-size cohort. Modeled — not quotes: each figure prices that state’s most common physician practice size band from the state’s own observed payroll (CBP 2023), so dollar order can differ from rate rank.

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)

Frequently asked questions

Why do rates for the same trade differ several-fold between states?

Each state approves its own rates from its own claims experience — benefit levels, medical costs, and litigation environments differ. The rate is per $100 of payroll, so state wage levels move the dollar premium too.

Is the rate what I’ll actually pay?

No — it’s the filed starting point. Your payroll sets the base, your claims history (experience mod) scales it, and insurer schedule credits move it further. Illustrative benchmark — not a quote or coverage recommendation.

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