Healthcare & Social Services
Class Code 8861: Charitable or Welfare Organization—Professional Employees & Clerical — Workers' Comp Insurance
Covers the professional and clerical staff of charitable and welfare organizations engaged in office- and program-based work, such as administration, fundraising, and program coordination. It's built for the desk- and community-based side of nonprofit operations.
- Risk level:
- low
What code 8861 covers
Class 8861 applies to charitable and welfare organizations whose professional and clerical staff perform office-based administrative, fundraising, and program-coordination work. The classification is suited to the desk- and community-engagement side of nonprofit operations rather than hands-on service delivery such as residential care or direct client supervision, which fall under more specific classifications depending on the services provided. Many nonprofits operate multiple program lines — for example, an administrative headquarters alongside a food pantry, shelter, or residential program — and typically need payroll split across this code and whatever classification fits each program's actual duties. Volunteers are generally outside the scope of a workers' comp policy unless the organization has elected coverage for them, which is a separate conversation from how paid staff are classified.
Included operations
- Nonprofit administration and executive staff
- Fundraising and development staff
- Program coordination performed primarily from an office setting
- General clerical and administrative support
Assigned elsewhere
Businesses that typically carry 8861
- Nonprofit foundations and charitable organizations
- Fundraising and development organizations
- Advocacy and membership nonprofits
- Community welfare organizations with an office-based program
- Outpatient and multi-specialty clinics
- Faith-based and community service organizations
- County and municipal social service agencies
- Multi-site healthcare and care organizations
Common misclassifications
Code 8864
Charitable organizations and social services organizations both serve community needs, but hands-on program delivery versus office-based administration calls for different codes.
Code 8810
Some nonprofits default to standard clerical coding without accounting for program or fundraising staff duties specific to this classification.
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What drives the cost of code 8861
- Total annual payroll for employees assigned to this classification
- Experience modification factor based on claims history
- State-specific base rates and loss costs filed for this class code
- Claims frequency and severity trends for the business
- Safety programs, training, and workplace controls in place
- Payroll mix across multiple classifications at the same location
What underwriters look for
- Types of patients, residents, or clients served and the level of care provided
- Staffing ratios and use of lift equipment or safe patient-handling protocols
- Prior claims history, especially strain, sprain, and needlestick injuries
- Licensing, accreditation, and staff credentials
State differences
This entry uses standard NCCI class code phraseology, which applies in most NCCI-governed states. Pennsylvania (PCRB), Delaware (DCRB), California (WCIRB), New Jersey (NJCRIB), Michigan, New York (NYCIRB), and Massachusetts maintain their own classification manuals, and code numbers or phraseology can differ there. Our agency confirms the correct classification for your state before quoting.
Where code 8861 fits
Quote class code 8861.
One application goes out to every carrier we can access for your class of business. You get a ranked comparison you can review and purchase online — with a licensed agent available whenever you want one.
Mon–Fri, 8:00am–6:00pm ET · Independent agency licensed in 23 states
Class code 8861 questions
Does this code cover a nonprofit's fundraising staff?
Yes, fundraising and development staff performing primarily office-based work fall under this classification.
What if our nonprofit also runs a shelter or food pantry?
That program's direct-service staff would typically be evaluated under a different, more specific classification.
Are volunteers covered under this classification?
Volunteer coverage is a separate topic from how paid staff are classified — ask us about options if your organization wants to cover volunteers.
Does 8861 apply to advocacy and membership organizations?
Yes, office-based nonprofit and charitable organizations of this type commonly fall under this classification.
Last reviewed · Reviewed by Provident Financial Group licensed agents