Workers' comp class code · Professional
Class code 8810-3 — Insurance Agency Office
Sales and administrative staff of an insurance agency.
This classification covers the office and sales staff of an insurance agency, including producers, account managers, and administrative personnel who work with clients to place and service policies. It's a professional-office classification, reflecting that insurance sales and service work happens almost entirely over the phone, by email, or in an office setting.
The daily work includes reviewing coverage options, preparing quotes, processing renewals, and meeting with clients either in person at the agency or occasionally at the client's business. Producers may travel periodically to build relationships, but the work itself is advisory rather than physical, which keeps it distinct from classifications built around fieldwork or manual tasks.
Because almost all activity happens at a desk or in a meeting room, the exposures are limited to ergonomic strain, general office hazards, and modest travel risk for producers who visit clients. This keeps the classification in the low-risk tier, similar to other professional financial-services office work, and separate from any client's own operations, which are rated independently.
What code 8810-3 typically includes
- Insurance producers and account executives
- Customer service representatives and account managers
- Underwriting support and policy processing staff
- Agency owners and office managers
- Marketing and administrative support staff
Codes this one gets confused with
8742 — Outside Sales Personnel
Producers who travel extensively to prospect for new business may look more like traditional outside sales roles than office-based account management.
See code 87428810-5 — Financial Advisory Office
Financial advisors and insurance producers both work in low-hazard office settings but serve different regulatory and product lines.
See code 8810-5What this code means for your premium
Insurance agency staff are rated in line with other office-based professional services, reflecting light physical exposure.
Estimate your premiumClassification is not final until a carrier assigns it. Code numbers, wording and exceptions vary by state and rating bureau — several states run their own bureaus. This page is general reference written in our own words; your carrier's underwriter assigns the code based on your actual operations and payroll records.
Questions about code 8810-3
Ready to see your options?
One application. Up to 10 competing quotes. Answer a few questions and we will shop your business to our A-rated carrier network, then a licensed agent walks you through the options.