Manufacturing Workers' Comp
Workers' Comp Engineered for Manufacturers
From machine shops to production lines — competitive rates for manufacturing operations of all sizes across 23 states.
Workers' Compensation for Manufacturing
Workers' compensation insurance for manufacturing is a policy that covers medical expenses, lost wages, and disability benefits for factory and production workers injured on the job from machinery accidents, repetitive lifting, chemical exposure, and material handling. Manufacturing workers' comp rates range from $2-$5 per $100 of payroll for light manufacturing to $8-$15+ for heavy industrial operations, with the exact rate depending on the specific manufacturing process and class code. A machine shop with $400,000 in payroll might pay $12,000-$30,000 annually. OSHA scrutiny makes proper coverage and documented safety programs essential — carriers often offer premium credits for certified safety programs. We work with carriers who understand manufacturing operations and can offer competitive rates based on your specific processes, equipment, and safety record.
Why Manufacturing Need Workers' Comp
- ! Heavy machinery and equipment create serious injury and amputation risks
- ! Required by law in every state where you have employees
- ! Many manufacturing injuries result in significant lost-time claims
- ! OSHA scrutiny makes proper coverage and safety programs essential
- ! Supply chain contracts often require proof of workers' comp coverage
Common Manufacturing Claims
- ⚠ Machine-related injuries including amputations and crush injuries
- ⚠ Back and shoulder injuries from repetitive lifting
- ⚠ Eye injuries from flying debris, sparks, and chemicals
- ⚠ Hearing loss from prolonged noise exposure
- ⚠ Chemical burns and respiratory issues
- ⚠ Forklift and material handling accidents
Workers' Comp Class Codes for Manufacturing
The correct class code determines your premium rate. We'll assign the right code for your state and operations.
| Code | Description | Notes |
|---|---|---|
| 3632 | Automotive Machine Shop | — |
| 3629 | Precision Machined Parts Manufacturing | — |
| 3507 | Construction or Agricultural Machinery Manufacturing | — |
| 3400 | Metal Stamped Goods Manufacturing NOC | — |
| 3365 | Welding or Cutting | — |
| 4452 | Plastics Manufacturing | — |
| 2883 | Furniture Manufacturing — Wood NOC | — |
| 2812 | Cabinet Works | — |
What Affects Your Manufacturing Workers' Comp Cost?
Specific manufacturing process and class code
Types of machinery and equipment used
Total annual payroll
OSHA violation history and safety programs
Claims history and experience mod
Employee training and safety equipment provided
Frequently Asked Questions
How much does workers' comp cost for a manufacturer? +
Manufacturing rates vary widely — from $2-$5 per $100 of payroll for light manufacturing to $8-$15+ for heavy industrial operations. A machine shop with $400,000 in payroll might pay $12,000-$30,000 annually. Your specific rate depends heavily on the type of manufacturing and claims history.
Can a strong safety program reduce my workers' comp costs? +
Absolutely. Documented safety programs, regular training, proper PPE, and machine guarding not only prevent injuries — they're viewed favorably by carriers when pricing your policy. Some carriers offer premium credits for certified safety programs.
What happens if an employee is injured by equipment they weren't trained to use? +
Workers' comp is a no-fault system — the claim is covered regardless of who was at fault. However, a pattern of training-related injuries will increase your EMR and premiums. Proper training documentation protects your long-term costs.
Do I need separate coverage for my warehouse vs. production employees? +
Employees performing different types of work should be classified under different class codes. Production workers, warehouse staff, drivers, and office employees each have their own classification. Proper separation can save you money.
Manufacturing Workers' Comp — Available in 23 States
We're licensed to provide workers' compensation quotes in the following states:
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