Class Code 8822
Insurance Companies
Class Code 8822 covers workers employed by insurance companies performing primarily office-based insurance operations in California. This classification applies to routine clerical, underwriting, actuarial and claims-processing work and is rated at a 2026 pure premium of $0.364 per $100 of payroll. Understanding this class helps insurers and HR managers control exposure and correctly report payroll.
What Class Code 8822 Covers
Code 8822 is specific to insurance company employees whose regular duties are performed in an office or similar controlled environment, including underwriting, policy administration, premium accounting, actuarial analysis, and centralized claims processing that do not require field travel. It covers staff who handle policy issuance, billing and collections, customer service for policyholders, loss run preparation, and internal compliance functions. It does not generally include inside or outside sales agents, field claims adjusters who inspect sites or drive frequently, or contractors — those activities are usually reported under different WCIRB class codes. Remote employees performing the same office functions are typically included under 8822, but employers must separate payroll for employees whose duties expose them to non-office hazards.
Who It Applies To
- Underwriters and policy analysts working in-office
- Actuaries and statistical analysts employed by insurers
- Claims examiners and claims support staff who process files at desks
- Customer service, premium billing, and accounting staff
- Corporate support roles (HR, legal, compliance, IT) performing office duties
Common Job Duties
- Reviewing and approving policy applications and renewals
- Data entry and maintaining policy and claims databases
- Processing premium billing, collections, and reconciliations
- Examining claim files, reserving, and preparing loss runs
- Answering customer and agent inquiries via phone and email
- Preparing regulatory filings, compliance documentation, and reports
Common Injury Risks
Understanding the $0.364 Rate
The approved pure premium rate of $0.364 per $100 of payroll reflects the expected cost of paid losses for this class before insurer expense loads and state assessments. To calculate the pure premium, divide total payroll by 100 and multiply by 0.364 (for example, $100,000 payroll results in a pure premium of $364). The final premium an employer pays is adjusted by the insurer's expense load, California's assessments, the employer's experience modification, any deductible or retrospective rating programs, and proper payroll classification.
Cal/OSHA Compliance Requirements
Employers classified under 8822 must comply with California's Injury and Illness Prevention Program (IIPP) requirements (Title 8 §3203) and maintain basic office safety controls such as ergonomic workstation setup, electrical and fire safety, clear egress, and indoor air quality practices. Employers must report serious work-related injuries to Cal/OSHA within required timeframes and document workplace incidents; hazards from field work or driving must be addressed separately when those activities occur.
How Key HR Helps Employers Under Class Code 8822
A PEO like Key HR helps insurers and insurance-related employers by ensuring accurate payroll classification, centralizing claims reporting and management, and implementing targeted loss-prevention programs such as ergonomics assessments and return-to-work plans. Key HR can also assist with experience modifier monitoring, workers' comp audits, and California-specific compliance tasks so employers can reduce claims, control premium volatility, and free HR to focus on core operations.
Get a QuoteFrequently Asked Questions
Does Class Code 8822 include insurance agents who work in the field or drive to meet clients?
Generally no. 8822 covers office-based insurance company work. Agents, field adjusters, or employees who spend significant time driving, inspecting losses, or conducting outside sales are usually assigned different class codes that reflect the higher exposure; their payroll should be reported separately.
How does remote or work-from-home status affect classification under 8822?
Classification follows job duties, not location. If an employee performs the same office-based underwriting, claims processing, or billing tasks from home, they typically remain in class 8822. If their duties change to include field visits or driving, the payroll allocation should reflect those exposures.
What practical steps reduce workers' comp costs for insurance company operations?
Implement ergonomic workstation programs, enforce housekeeping and slip/trip controls, provide safe-lifting training for mail/records handling, maintain early return-to-work policies, and proactively manage claims. Using a PEO for accurate classification, proactive safety training, and claims advocacy can materially reduce premium and experience modifier impact.
Quick Facts
- Class Code
- 8822
- Classification
- Insurance Companies
- Pure Premium Rate
- $0.364 / $100 payroll
- Effective Date
- September 1, 2026
- Source
- WCIRB Approved Filing
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