Clerical split checker
Work out how much of your office payroll can legitimately come out of 8827, what it is worth at your carrier's actual rates, and — the part that catches most agencies — who is disqualified and why.
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Add your office staff above. This is the annual reduction in manual premium from reporting eligible payroll correctly.
| Classification | Payroll | Rate | Premium |
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If an employee performs any duty outside the clerical classification during the policy period, their entire payroll for that period moves to the highest-rated classification applicable to their work. Not a share of it. All of it. One covered caregiver shift undoes a scheduler's whole year — and can wipe out the saving from everyone else you correctly reclassified.
Moving payroll out of 8827 reduces your expected losses. Your actual losses do not change. Your experience modification is the ratio between them, so it gets worse even though your premium gets better — and the premium saving is the larger effect. The increase also lags: it only arrives once the reclassified payroll enters the three-year experience period, two to three years out. If your broker reports a mod increase without explaining this, nothing has gone wrong.
This tool applies published rules from the California Workers' Compensation Uniform Statistical Reporting Plan—1995 to figures you enter. It is general information, not advice about your policy, and it is not an insurance quote. Classification assignments are made by your carrier and the WCIRB. Confirm any change with them before relying on it.
Want the version with your actual numbers in it?
The Mod Analysis works the split employee by employee against your carrier's filed rates, and tells you what it does to your modification as well as your premium.