What Sets Georgia's 8810 Code Rate Apart
The 8810 classification covers clerical office workers who are not exposed to physical hazards, and in Georgia the workers compensation premium is calculated on a per‑$100 of payroll basis using the state‑specific rate for that class. For 2024 the rate is 0.40 % of payroll, meaning an employer pays $0.40 for every $100 of wages paid to 8810 employees. This rate is lower than many manual‑labor classes because the risk of injury is minimal.
More from this site
Keep reading the latest coverage
How the Rate Is Determined
Georgia's Department of Labor (GDOL) sets the base rate each year based on statewide loss experience, medical cost trends, and the overall claims frequency for the 8810 class. Insurance carriers then apply a experience modification factor (e‑mod) for each employer, which can raise or lower the final premium.
Components That Influence an Employer's Premium
- Payroll amount – the base calculation uses total covered wages.
- Experience modification (e‑mod) – reflects the employer's own claims history compared to the state average.
- Policy discounts – carriers may offer volume, safety‑program, or multi‑state discounts.
- State assessments – GDOL may levy additional fees that are added to the base premium.
Comparing 8810 to Other Common Classes
| Classification | 2024 Rate (GA) | Typical Risk Level |
|---|---|---|
| 8810 – Office Clerical | 0.40 % | Low |
| 8742 – Outside Sales | 0.68 % | Low‑Moderate |
| 5410 – Store Retail | 1.12 % | Moderate |
| 9042 – Construction – Heavy | 2.45 % | High |
Practical Steps to Manage Costs
Employers can keep the 8810 premium low by maintaining a clean safety record, submitting accurate payroll data, and enrolling in GDOL‑approved safety programs that may qualify for discount credits. Regularly reviewing the e‑mod and contesting any erroneous claims can also prevent unnecessary rate hikes.