Iowa Workers Comp for Home Health
Iowa requires workers compensation for any employer with one or more employees (no minimum payroll). Home health and home care agencies use class code 8835.
Iowa requirements
Iowa Code § 85.3: every employer with 1+ employee must carry workers comp. No payroll minimum exemption. Sole proprietors with no employees may waive coverage.
Typical Iowa rates 2026
Class 8835 (Home Health) in Iowa: $2.50–$4.50 per $100 of payroll for clean-experience employers. New ventures with no mod can be 10%–25% higher.
How to lower premiums
1. Maintain a written safety program and back/lift training 2. File no claims for 3+ years to lower experience mod 3. Use the Iowa Workforce Development Safety Group program (available for groups of like employers) 4. Shop annually — Iowa is competitive with 8+ markets writing 8835
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