Workers’ Comp Class Code 8827 in California

If your business provides in-home care services in California, one of the most important things you can do to protect your company and your employees is to make sure you’re using the correct workers’ compensation class codes. Among the most widely used for in-home support is Workers’ Comp Class Code 8827. This California-specific code applies to companies and caregivers offering non-medical personal care assistance to individuals in their homes. Whether you operate a home care agency, work under the IHSS program, or manage supported living services, understanding how this code works is essential.

At NPN Brokers, we specialize in helping businesses just like yours—those in high-risk industries or with complex staffing needs—secure affordable, flexible, and compliant workers’ comp coverage. We take the time to identify the right class codes for your team so you don’t end up overpaying or facing audit penalties later. If you’re unsure whether Code 8827 is right for your staff, or if you want a fast quote for your business, give us a call at (561) 990-3022 or fill out our quick online quote request form. Our team is here to help, and we can get you coverage in as little as 24 hours.

What Is Workers’ Comp Class Code 8827?

Workers’ Comp Class Code 8827 is a unique classification used exclusively in California for businesses that employ individuals providing in-home personal care services. This code is distinct because it reflects the specific job duties of caregivers who support clients in residential settings, rather than in clinical or facility-based environments. Unlike class codes that cover medical professionals in hospitals or nursing homes, 8827 is designed to account for the lower physical risk associated with non-medical caregiving roles, though it still acknowledges the hands-on nature of the work.

The services included under this classification are wide-ranging and often tailored to meet the needs of elderly individuals, disabled adults, or those recovering from surgery or illness. Tasks may include helping with personal hygiene, such as bathing and dressing, preparing meals, housekeeping, providing transportation to appointments, and simply offering companionship and social interaction. In some cases, caregivers may also assist with home infusion therapy, where certain treatments or medications are administered within the comfort of a client’s home.

Because this class code covers such a wide array of daily tasks, it is commonly used by a variety of home care businesses, including those that receive funding through state or county programs like In-Home Supportive Services (IHSS) and Supported Living Services (SLS). Many agencies providing long-term care or assisting individuals with developmental disabilities will also fall under this classification. If your business operates in one of these niches, using Code 8827 properly is essential for accurate workers’ comp coverage and premium rates.

What Type of Employees Fall Under Code 8827?

The employees classified under 8827 are typically those involved in non-medical, personal support roles. While some may hold certifications, many are not licensed to provide skilled medical care. Instead, these workers play a crucial role in ensuring that clients can live independently in their homes while receiving the support they need to function day to day. These employees often work in physically demanding settings, which makes workers’ compensation insurance a critical investment.

Common job titles and roles that fall under this code include home health aides, personal care attendants, direct support professionals, and companions. In many cases, certified nursing assistants (CNAs) may also fall under 8827 if their job responsibilities are limited to non-medical support. Some agencies also employ licensed vocational nurses (LVNs) or registered nurses (RNs) who provide very limited skilled services such as home infusion, and they may still fall within this classification depending on their scope of work and frequency of medical care delivered.

It’s important to note that while these employees work in caregiving roles, their tasks typically do not involve surgical procedures, emergency care, or work in hospital settings. If your staff’s work goes beyond personal care and includes a significant amount of skilled nursing, a different code—such as 8835—may be more appropriate. This distinction is critical because misclassifying an employee could result in inaccurate premiums and increase your exposure during an audit. At NPN Brokers, we can help you sort through these nuances to make sure each role is properly coded.

Additionally, many home healthcare companies in California employ part-time, hourly, or rotating staff, which can further complicate the classification process. Whether you’re managing a team of ten caregivers or coordinating dozens of workers across different regions, we can work with you to ensure your classifications align with actual job duties and risk levels.

Similar and Related Workers’ Comp Class Codes

Understanding Class Code 8827 is only part of the picture—many in-home care providers operate with teams that fall under multiple codes, depending on their range of services. Knowing which codes are similar or related can help ensure your full staff is appropriately covered.

For example, Class Code 8835 applies to home healthcare service providers that perform skilled medical tasks, including wound care, physical therapy, and administering medications. If your staff includes RNs or therapists performing these kinds of duties regularly, Code 8835 may need to be used alongside or instead of 8827.

Another related code is Class Code 8826, which is often used for residential care facilities or group homes that provide assistance but not skilled nursing care. This code is more appropriate for businesses that house and care for multiple residents in a communal living arrangement, especially if the services provided mirror those in assisted living environments.

You might also come across Class Code 9070, which is designated for residential care for the elderly. This classification is broader than 8827 and typically applies to facilities providing room and board, assistance with activities of daily living, and sometimes limited health monitoring in a regulated setting.

It’s not uncommon for California-based caregiving businesses to require a mix of these codes, depending on the nature of their services and staff roles. That’s where our team at NPN Brokers comes in—we help determine exactly which classifications apply and structure your workers’ comp policy accordingly so there are no surprises down the road.

Why Accuracy in Class Codes Matters

Assigning the right workers’ comp class code is about more than just compliance—it directly affects your bottom line. Workers’ compensation premiums are calculated based on the risk level associated with specific job duties. If your caregivers are misclassified under a more hazardous code than necessary, you could be paying hundreds or thousands of dollars more per year than you need to. On the flip side, if you underreport risk by choosing a code with too low a risk profile, you could face stiff penalties or claim denials during an audit.

California’s workers’ comp system is known for its complexity, and the Department of Insurance takes classification errors seriously. Ensuring accuracy not only protects your business from liability but also builds trust with your insurance provider and minimizes disruptions in coverage. At NPN Brokers, we take time to review the actual responsibilities of your staff and match them with the most accurate codes available.

We’ve worked with agencies that were unknowingly using the wrong code for years and were paying too much—or worse, risking coverage gaps. Avoiding those pitfalls starts with having a knowledgeable partner who understands how the codes apply in real-world scenarios, especially in the dynamic field of home healthcare.

How NPN Brokers Helps You Stay Compliant

Navigating workers’ compensation requirements can be a headache, especially for small to mid-sized agencies juggling tight schedules and fluctuating headcounts. That’s why NPN Brokers is here to make the process easy, fast, and stress-free. We work exclusively with insurance providers that offer flexible, no-audit, no-contract, and no-deposit plans, which means you get the protection you need without locking yourself into long-term commitments.

We’ve helped countless businesses that struggled to find affordable workers’ comp coverage due to high-risk classifications or prior claims. Whether you’re a startup home care agency, a long-time IHSS provider, or expanding your supported living service model across California, our team can identify the right policy for you—often with same-day approval.

We also offer Pay-As-You-Go options, allowing you to pay premiums based on actual payroll, which is ideal for businesses with part-time workers, fluctuating schedules, or seasonal demand. That way, you’re not overpaying during slow months or chasing paperwork just to keep your coverage in place. We’re committed to making sure your coverage keeps up with your operations—not the other way around.

Need Workers’ Comp for In-Home Caregivers? Let’s Talk.

Getting the right coverage for your caregivers doesn’t have to be complicated. Whether you’re currently using Class Code 8827 or just starting to figure out which classification fits your team, NPN Brokers is here to help every step of the way. From identifying the correct class codes to getting you a tailored policy with no unnecessary fees or obligations, we simplify the process so you can focus on your business.

Call us today at (561) 990-3022 to speak with a member of our team, or fill out our online quote request form to get started. We’ll walk you through your options, review your employee classifications, and provide a competitive quote—often within just a few minutes. If approved, your coverage could be active in as little as 24 hours. When it comes to protecting your caregivers and your business, don’t leave it to chance—partner with a broker who understands your industry.