Workers Comp for Manufacturing Companies
Manufacturing businesses pay an average of $5,000–$20,000 per year in workers comp premiums. The most common classification mistake is classifying QA inspectors, engineers, and office staff under production floor codes. Here's how to make sure you're paying the right amount.
Real savings example
A manufacturer with 30 employees where 8 are office, QA, or engineering could save $4,000–$10,000/year with correct classification.
Common NCCI Codes for Manufacturing
| Code | Description | Rate/$100 |
|---|---|---|
| 3076 | Machine Shop | $3.18 |
| 3632 | Machine Manufacturing | $3.54 |
| 2501 | Clothing Manufacturing | $2.14 |
| 2802 | Carpeting Manufacturing | $4.22 |
| 8810 | Clerical Office | $0.16 |
Rates are approximate national averages per $100 of payroll. Actual rates vary by state and insurer.
Tips to Lower Your Manufacturing Workers Comp Premium
Quality assurance and inspection roles that don't involve operating machinery may qualify for lower codes
Engineers and designers who work primarily at desks should be coded as clerical
Shipping/receiving has different risk than production line work
If you've automated processes that reduced manual labor, your classification should reflect that
Check if your manufacturing business is misclassified
Our free 2-minute tool compares your setup against NCCI benchmarks.
Check My Premium \u2192This guide is for informational purposes only and is not insurance advice.