Healthcare & Social Services
Class Code 8869: Child Care Center—All Employees Including Clerical, Salespersons & Drivers — Workers' Comp Insurance
Covers licensed child care centers and daycares, including teachers, aides, clerical staff, and any drivers who transport children, all under one classification. It reflects the hands-on supervision, lifting, and activity involved in caring for young children.
- Risk level:
- moderate
What code 8869 covers
Class 8869 applies to child care centers and daycare facilities, covering classroom teachers and aides, administrative and clerical staff, and drivers who transport children, such as for field trips or center-operated transportation. The classification recognizes the physical demands of caring for infants and young children — lifting, carrying, floor-level supervision, and managing active play — which differ from the classroom exposure of a K-12 school serving older students. Because the code is written broadly to include clerical and driving duties along with direct child care, a typical daycare's full staff can usually be captured under this single classification. Licensing, staff-to-child ratios, and age groups served (infants versus school-age) are common underwriting considerations given how they affect physical demands and supervision needs.
Included operations
- Classroom teaching and supervision of children
- Infant and toddler care, including lifting and diapering
- Clerical and administrative staff at the center
- Drivers transporting children for the center's programs
Businesses that typically carry 8869
- Licensed daycare centers
- Preschools without a separate K-12 educational classification
- Before- and after-school care programs
- Early childhood education centers
- 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 8868
A child care center with an educational component can be confused with the K-12 school classification, even though the population and duties differ.
Code 7380
Centers with significant transportation operations may need dedicated driver review rather than folding all driving into the child care code.
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What drives the cost of code 8869
- 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.
Quote class code 8869.
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Mon–Fri, 8:00am–6:00pm ET · Independent agency licensed in 23 states
Class code 8869 questions
Does this code cover infant care specifically?
Yes, care for infants and toddlers, including the lifting and carrying involved, is part of this classification.
What about drivers who transport children for field trips?
Drivers supporting the center's programs are included under this same classification.
Is a preschool with an educational curriculum coded differently than a daycare?
It depends on the licensing and structure of the program; we review the specific facts to confirm the right fit.
Does staff-to-child ratio affect underwriting?
Yes, ratios and the age groups served are common factors underwriters consider given how they affect supervision and physical demands.
Last reviewed · Reviewed by Provident Financial Group licensed agents