Workers Comp Code for Chiropractors: A Complete Guide
Workers' compensation insurance for chiropractors protects your practice and staff from work-related injuries. By understanding the correct workers’ comp code for chiropractors, you can be sure your business is covered properly and avoid unexpected insurance costs.
What are Class Codes and why do they matter?
Class codes are four-digit number, used similar to a barcode to reference details about specific job roles. These codes are assigned by the National Council on Compensation Insurance (NCCI), which looks at how frequently workers are injured in each role to determine the risk for each class code.
Class codes are important for calculating the cost of workers' compensation insurance for chiropractors because they help quantify the risk of injury from working in a chiropractor office. The insurance companies use these rates to determine the policy cost which keeps the price fair and allows chiropractors to secure the coverage needed for their team.
How are class codes determined?
Class codes for chiropractors are determined by analyzing the frequency of injuries in chiropractic offices. The NCCI reviews data from chiropractors across different states, noting how often injuries happen during patient treatments. This data helps the NCCI set the risk rating for chiropractic practices.
The NCCI updates these rates every year based on new data, including safety advancements in the field, such as improved techniques or equipment.
Common Class Codes for Chiropractors
Class Code 8832
For most chiropractic practices, Class Code 8832 is used. This class code applies to health professionals providing services like spinal manipulation and other chiropractic treatments. The code reflects the moderate physical demands of the work.
State-Specific Class Codes for Chiropractors
For chiropractic practices, the class codes can vary by state. Here are examples:
Class Code 0957 - Pennsylvania and Delaware
In both Pennsylvania and Delaware, chiropractic practices fall under Class Code 0957, which applies to both physicians and clerical roles in medical offices.
How Chiropractor Class Codes affect Insurance Rates
Insurance class codes are used to assess the level of risk for specific roles. This helps insurance companies determine the premium for a workers' compensation policy. Jobs with higher risk levels tend to have higher premiums to account for the potential for injury or illness.
Chiropractors typically have a lower workers' comp rate due to the lower physical demands of their work. The average cost for workers’ comp insurance for chiropractors is $0.27 per $100 of payroll. Rates may differ based on your location and other factors, with rates from selected states shown in the chart below.
Chiropractors (Class Code 8832) Rates per State – 2025
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These are base rates, which may differ from your final premium depending on your chiropractic practice’s specific risk factors.
Insurance carriers calculate your premium using an experience modifier (ExMod), which is based on your claims history.
If your ExMod is 0.95, your premiums will be lower than the average for similar practices. If your ExMod is higher than 1, your premiums will be higher due to previous claims.
Maintaining a safe workplace and reducing accidents will help keep your ExMod low and save you money.
Want to see how these rates translate into actual costs for your practice? Check out our Guide to Workers' Compensation Insurance for Chiropractors Cost for more details.
Managing Risk for Chiropractors
Chiropractic practices face unique risks due to the physical nature of the work. A strong safety program is crucial for reducing injuries and keeping your premiums low.
Tips for Reducing Common Injuries in Chiropractic Practices:
- Proper Body Mechanics: Train staff to maintain proper posture and body alignment while performing spinal adjustments to prevent strain and injury.
- Use of PPE: Provide appropriate personal protective equipment (PPE) such as gloves and masks to minimize exposure to bodily fluids and contaminants.
- Lifting and Twisting: Chiropractors often perform lifting and twisting movements. Encourage ergonomic lifting practices and use support tools to reduce risk of musculoskeletal injuries.
Get the Right Coverage for Your Chiropractic Practice
Have questions about workers' comp class codes for chiropractors? Start an instant quote or call us at 886-338-8823. Kickstand Insurance specializes in workers' comp for chiropractic practices and will help ensure you’re paying the right price for adequate protection.
Note: The information provided in this blog is intended for general informational purposes only and is not a substitute for professional legal or insurance advice. Laws and regulations regarding workers' compensation insurance are complex and vary by state and by specific circumstances. Therefore, readers are encouraged to consult with a qualified legal or insurance professional to obtain advice with respect to any particular issue or problem they might have.
Mordechai Kamenetsky, co-founder and lead agent of Kickstand, is recognized as an expert in workers' compensation. He is passionate about helping small businesses manage risks and lower their workers' comp costs. In his articles, he educates readers and clients on the intricacies of workers' comp insurance.
As a small business owner, cheap workers' comp insurance is within reach. By classifying your workers correctly and lowering your experience modification rate, you can save big. Why spend extra money if you don't have to?
