Workers’ comp insurance (made from scratch) for manufacturing companies
Workers’ compensation insurance is required for most small manufacturing businesses, including printers, publishers, textile manufacturers, furniture makers, food manufacturers, candle makers, leather workers, furniture makers, drapery and pillow manufacturers, toy makers, and paper makers.
From hand-poured candles and wood-turned toys to dry-roasted nuts and handmade paper, small manufacturers make specialty products that cannot be found anywhere else. Clients of niche manufacturers expect high-quality products.
At Pie Insurance, we believe small manufacturers should expect the same from their partners and service providers. Pie Insurance is one of the first companies to offer a fully digital insurance experience, allowing owners of small manufacturing companies the independence to get workers’ compensation insurance online.
Why do manufacturing companies need workers’ comp coverage?
Manufacturing companies deal with various risks of injuries based on workplace conditions and chemical exposure. No matter how small your manufacturing business, your employees could face potential risks on the job. Your team members could become ill or be injured while carrying out tasks during a normal workday through:
Workplace falls — Whether slipping on slick floors or falling from ladders, falls are a common cause of workplace injuries for manufacturing professionals.
Contact injuries — Factory workers could sustain injury or illness from machinery, equipment, or chemicals used in the manufacturing process.
Overexertion or excess stress on the body — Employees could develop muscle strain or repetitive stress injuries from lifting, pulling, reaching, and carrying.
What are some common manufacturing workers’ compensation class codes?
Workers are grouped into classes based on work activities and risk level by the National Council on Compensation Insurance (NCCI) or by state agencies. There are many different workers’ comp codes, and it is critical that your manufacturing employees are each categorized correctly. While small businesses make all types of products, some of the more common workers’ comp codes the NCCI uses to classify manufacturers include:
Workers’ Comp Code 2501: Manufacturers of awnings, tents, cloth, canvas, cushions, pillows, quilts, dolls, doll clothes, curtains, hats, lingerie, shirts, signs, sails, textiles, toys, umbrellas, and window shades.
Workers’ Comp Code 4239: Manufacturers of paper or particleboard.
Workers’ Comp Code 4452: Manufacturers of bone, horn, or plastic goods.
Workers’ Comp Code 4557: Manufacturers of candles, paste, polish, wax or ink; oil or grease mixers.
Workers’ Comp Code 6504: Manufacturers of food products.