Insurance Products
Workers Compensation Insurance for Product Brands & Manufacturers
Required by law in most states once you have any W-2 employee. Placed with carriers who understand product manufacturing classifications, not generic small business codes.
What It Covers
The legally required policy for everyone with employees.
Workers comp is the no-fault system that pays medical and lost wages for employees injured on the job. In exchange, employees can't sue their employer for the injury. Required in nearly every state once you have any W-2 employee, with limited exceptions.
Pays for
- Medical treatment for on-the-job injuries
- Lost wages while the employee is recovering
- Disability benefits (temporary or permanent)
- Vocational rehabilitation when needed
- Death benefits to family if applicable
- Employer's liability for related lawsuits
Why product brands often pay too much
- Generic carriers default to higher-risk class codes for manufacturing
- Office staff get lumped in with production-floor staff incorrectly
- Wrong NCCI class code can mean 2x to 3x premium
- No experience modifier credit for safe operations
- Generic carriers don't know supplement vs. CBD vs. cosmetic risk profiles
- We place coverage with carriers who do
Common Questions
Workers Comp, Plain English
Do I need workers comp if I only have one employee?
In most states, yes. Some states have minimum thresholds (3-5 employees) but most require coverage from the first W-2 employee. Independent contractors are generally not covered by workers comp, but the IRS rules around "contractor vs. employee" matter here. Misclassifying an employee as a contractor doesn't avoid the workers comp requirement.
Why is the class code so important?
Workers comp premiums are calculated by NCCI class code, which assigns risk levels to different jobs. Manufacturing has higher class codes. Office work has much lower codes. If your office staff is incorrectly bundled into your manufacturing code, you're paying 2-3x what you should. We audit your classifications at policy issuance.
What about owners and family?
Owner exclusions and family exclusions exist in most states. We'll structure your policy to include or exclude owners based on what makes sense for your situation. Excluding owners can reduce premium significantly.
How much does this typically cost?
Calculated as a rate per $100 of payroll, varied by class code and state. Office-only staff might cost $0.20 per $100 of payroll. Manufacturing floor staff might cost $4 to $8 per $100. We optimize the breakdown to minimize total premium.
Get workers comp from a carrier that knows your industry.
Right class code. Right carrier. Right premium.
Start my quoteOr call (765) 432-8989