Workers Comp for Clothing Manufacturers

Workers Comp for Clothing Manufacturers

Clothing Manufacturers, like all businesses, should carry Workers Comp for their employees. There are many carriers and programs available that can make it difficult to properly Insure your business. We will explain some of the basics you need to know when purchasing Workers Comp for Clothing Manufacturers.

Workers Comp for Clothing Manufacturers – Is it Required?

Workers Comp requirements differ from state to state. There are states like California that require Workers Comp for all employees and alternatively there are states like Texas that are non-compulsory, or optional, to carry Workers Comp. Regardless of your state’s requirements, it is generally a good idea to purchase Workers Comp, as employers are often held liable for employee injuries sustained while at work. There are several carriers that write Workers Comp for Clothing Manufacturers, so there is no good reason not to carry this coverage.

Workers Comp for Clothing Manufacturers – Employee Types

Clothing Manufacturers often have different types of employees with different duties. Depending on your employees’ duties, they may be eligible for a separate classification. Properly classifying your employees is critical because your Workers Comp premium is based on your classifications rates, which differ significantly between different classifications. Employees may be eligible for the clerical, warehouse, or outside sales class codes, depending on their duties. For example, the rate for a clerical employee is substantially lower than the rate for a clothing manufacturing employee, which is why you should take the time to look into the classifications of your employees.

Workers Comp for Clothing Manufacturers – Safety

An important part of maintaining good Workers Comp rates is your company’s safety procedures. Many Workers Comp carriers offer discounts to businesses that take the time to implement a formal safety procedure. Implementing a formal safety plan can not only save you money on your premium but may also limit the frequency and severity of claims if they do arise. If you do not know how to go about implementing a formal safety plan, you can often obtain information from your Workers Comp carrier, as they have resources available and a mutual interest in protecting your business from claims.

If you would like to learn more about Workers Comp for your Clothing Manufacturing company, give us a call, we would love to help!

You can reach our Workers Comp specialist at 925-297-4829.

All information is general in nature and is intended to provide guidance only. It is up to you to request specific coverage options, the agency and agent do not bear this responsibility. Always read the policy if there is a questions about coverage or a claim. If any information herein should conflict with your actual policy’s specific language, the policy language will be controlling.

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